Combine your Harmoney loans with Debt Consolidation

Tired of tracking multiple Harmoney payments?

Want to extend or shorten your loan term?

You can combine multiple Harmoney loans into a single repayment and term with a debt consolidation loan.

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Won't affect your credit score.

Frequently asked questions

What does “Combine my loans” mean?

'Combine my loans’ allows you to repay your existing Harmoney loans by taking out 1 new loan. Your new loan principal will comprise the remaining balance of your current loan(s), all combined into a single, ongoing monthly repayment for a single term.

When you combine your loans, you may also have a choice when it comes to the term of the new loan (for example, a longer term than your existing loans would help reduce your monthly repayment amount). But don’t worry, you’ll still have the freedom to repay your loan early without any early repayment fees.

What if I want to borrow more as well?

Customers who are able to manage additional funds may borrow more at the same time as consolidating their Harmoney loans.

Why can’t I extend/shorten my term?

You will be offered the loan terms that allow you to safely repay your new loan. This will either be 3, 5 or 7 years, depending on your financial situation.

If you are only offered a longer term, don’t worry, you’ll still have the freedom to repay your loan early without any early repayment fees.

Can I include non-Harmoney debts?

Yes, you are able to select both Harmoney loans and debts with other providers in a debt consolidation loan provided you are able to manage the repayments for the new loan.

Can I just combine one Harmoney loan without borrowing more?

No. If you’re wanting to extend your loan term because you’re struggling with your Harmoney repayments, please get in touch with us here. 1300 042 766

Will combining my loans affect my repayments?

Yes. When you combine your Harmoney loans:

Your current loan(s) are repaid, and your new loan principal will comprise the remaining balance of those loan(s).
You will have one monthly repayment instead of multiple scheduled repayments.

Do I have to consolidate all of my Harmoney loans?

No, you can choose to keep some/all of your Harmoney loans separate. We’ll ask you which one(s) you’d like to combine.

Will combining my loans cost more?

It depends on the term, interest rate, and fees that apply to your new loan.

You’ll be able to see the full details in your quote before you have to decide. You can review your options (if available) and choose the one that works best for your situation.

And remember, even if you choose a longer term, you can repay your loan earlier with no early repayment fees.

Receive a full rebate of the [$150/$295] establishment fee³ (as applicable).

Loan terms subject to availability.
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.
Offer only available [to applications commenced] while advertised, to named participants (as directly notified by Harmoney). Rebates will be applied against the balance of your loan amount, are not redeemable in cash, and are not transferable.

You are protected by responsible lending laws. Because of these protections, the recommendations given to you about personal loans are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.

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