Anna Cupples

Chief Digital Officer

Chief Digital Officer at Harmoney. 20+ years delivering large-scale digital solutions. Former Head of Engineering at Trade Me; software development lead at Air New Zealand.

Subject to approval. Harmoney offers fixed-rate unsecured personal loans at 5.76% p.a. to 24.03% p.a. (comparison rate 5.76% p.a. to 24.98% p.a.) and fixed-rate secured vehicle loans at 5.66% p.a. to 20.79% p.a. (comparison rate 5.66% p.a. to 21.71% p.a.). The rate offered to you depends on your individual credit assessment under Harmoney's credit scorecard. You must meet Harmoney's credit criteria and responsible lending requirements to be approved. Fees, charges, terms and conditions apply.

Harmoney personal loans are available on 3, 5 and 7 year fixed-rate terms. The interest rate and comparison rate applicable to your loan depend on the loan type, loan amount, term selected, and your individual credit assessment.

Comparison rates: Our unsecured comparison rate of 5.76% p.a. and secured comparison rate of 5.66% p.a. are based on a personal loan of $30,000 over 5 years, for users with exceptional credit quality. WARNING: Comparison rates only apply to the example given. Different amounts and terms may result in different comparison rates. Costs, fees, charges (including government charges like stamp duty), and cost savings are not included in the comparison rate but may influence the cost of the loan.

An establishment fee of $275 applies to all loans up to $4,999 and $575 to loans of $5,000 and over. Some applicants with strong credit profiles may be eligible for a $0 establishment fee. There are no monthly fees and no early repayment fees.

Example loan. For users with exceptional credit quality, for an unsecured loan of $30,000 borrowed for 60 months with a fixed interest rate of 5.76% p.a. (comparison rate 5.76% p.a.) the total amount you would need to repay would be $34,599 (made up of $30,000 in principal, $4,599 in interest and $0 in establishment fees).

Figures are based on 2025 Harmoney AU new-customer data. Times and figures are indicative, vary by individual circumstances and bank processing, and are not guaranteed. "In as little as" figures reflect fastest-case outcomes, not typical results (most take longer). Quote time is measured from application start to offer; payout time from loan agreement acceptance to funds transfer. Lending criteria and approval apply; rates are personalised.

Funding speed: 93% of loans are funded within 24 hours of approval — based on 2025 funded loans in AU+NZ, measured from application completed (loan agreement accepted) to funded (disbursal). Individual funding times vary.

Subject to approval. Harmoney's interest rates are offered based on the individual borrower's credit assessment according to Harmoney's credit scorecard. In order to be approved you must meet Harmoney's credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.