Welcome to Harmoney Australia

Harmoney was founded with bold ambitions and a game-changing vision: to turn lending upside down by introducing a 100% online finance model that changes the way Aussies think about money, for good.

The Australian finance markets are dominated by some of the most profitable banks in the world. Largely unchallenged and unchanging, the banks have reaped massive profits while leaving Aussies with little in the way of alternatives.

We started Harmoney to change this.

Online lending platforms have been disrupting the traditional finance market around the world by using technology to minimise the cost of financial intermediation, and passing the benefits to customers. We brought the change to New Zealand in 2014, and to Australia in 2016.

We built Harmoney from the ground up to create a better financial experience. Better because it’s branchless. Better because it's simpler and faster. And better because it’s not focused on institutions, but on people.

We don’t believe that money is everything, but we do believe it’s an effective tool to remove barriers, and to find a balance between what people want and what they need.

We believe that online lending is changing the way the world borrows. We're at the fore-front of bringing that change to Australia, and creating better financial choices for Australians.

Welcome to Harmoney.