Interest rates from²
5.76
%
p.a.
Comparison rate³
6.55
%
p.a.
Harmoney ranks in Top 10
2023 AFR Most Innovative Awards
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Getting a Harmoney loan
Getting a Harmoney loan is a simple, fast, and is done entirely online in a few minutes.
1. Create an account
We ask you to create an account upfront, so we can keep the information we need to give you a personalised rate safe.
It’s super easy and secure. You can quickly and easily create your account by signing up with your Google (or Facebook) account or you can use your email address.
2. Tell us about you and your loan
The first step is for us to get to know you and understand how a Harmoney loan will help you.
We will need to verify your identity, so you will need to have your NZ drivers license or passport details handy, along with your online banking details.
We will also access your credit information at this point, but this won't affect your credit score.
3. Share your financial details
Next, we need a clear understanding of your income.
Using secure bank-grade technology we access a read-only view of your bank statements.
By allowing us to view your bank accounts we can get an up-to-date snapshot of your financial situation straight away.
4. Get your quote
We will now take all the information you have provided us with and work out your quote.
Your quote will include how much you can afford to borrow, your guaranteed interest rate and will show you what your repayments would be like over a 3 or a 5 year term.
You will also see what your repayment amounts would be if you choose to pay weekly or monthly.
More about getting a quote
5. Continue your loan
If you choose to proceed with a loan it will be based on the terms as they appear in your quote. You will just need to complete a couple more short steps.
6. Get your money
Once you have read and accepted your loan terms, you should get your money in 1-3 working days (most borrowers get their money within 24 hours).
Start almost anything
Roll multiple debts into one, with one interest rate and one repayment schedule.
Home renovation
We don’t need tradie quotes for your home improvements loan, so these won't delay you getting your loan.
Buy a new car
With your finance sorted upfront, you can shop like a cash buyer. Unlike dealership finance, we keep things simple and transparent.
Plan a wedding
Make your dream day a reality with a wedding loan.
Grow your career
Take control of your future with an education loan.
Go on a holiday
Get your holiday loan approved before you start booking your trip to take advantage of promotions and discounts.
Grow your business
A cashflow loan can keep your business goals in sight.
Start feeling better
Get help covering all or part of your treatment cost.
Start almost anything
Over 90,000 people have used a Harmoney online loan to get things done.
Customers (and counting!)
100% online
Our AI-driven quote process is 100% online.
No paperwork, no queues and no need for awkward face-to-face meetings.
Super fast
Simply tell us about yourself and your finances and accept the terms to get funded in minutes
Rates tailored to you
Interest rates are based on your individual credit assessment - not one-size-fits-all.
What we offer
Loan amount
$2,000 - $100,000
Early repayment fee
$0
Interest rate from²
5.76% - 24.03% p.a.
Loan terms¹
3, 5 or 7 years
Comparison rate from³
6.55% - 24.98% p.a.
Rate type
Fixed rate
Establishment fee⁴
$275 or $575
Lightning FAST funding
Typically less than 5 minutes
Repayment frequency
Weekly, fortnightly, or monthly
Loan type
Unsecured
How to apply
01
Get to know you
Tell us about the personal loan you want, then provide us with some details about yourself and your finances.
02
Get your quote
We’ll give you a detailed quote with your interest rate, borrowing limit and repayments.
03
Get your money
After accepting the terms and providing some final details, most people receive their money in less than 5 minutes after loan acceptance.
Lightning FAST ⚡
Instant quotes, zero paperwork
Our AI-driven quote process is 100% online and paperwork-free. Get answers in seconds, so you can keep moving forward.
$2,000 to $100,000
Our unique AI will assess your needs and finances to offer you an affordable personal loan that suits your lifestyle.
Personalised for you in a flash
Our smart technology tailors your quote instantly – just answer a few questions, and let AI do the rest.
Lightning fast approvals
Get a quick quote in minutes and in most cases loans are funded in less than 5 minutes. It’s that easy!
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334 Reviews
Eligibility Criteria
To get a quote in Australia;
You must be 18 years or older.
You must be an Australian citizen, Permanent Resident or New Zealand citizen.
Your credit file must not have any defaults, judgments or bankruptcies.
You must have paid employment (which may include self-employment).
You need to borrow at least $2,000 with your loan.
You need to have photo identification documents such as your valid Australian passport or driver’s to licence, to hand.
If you are not eligible now, you may be in the future.