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Rates from 6.99% p.a. to 28.69% p.a. (Comparison Rate 7.69% p.a. to 29.55% p.a.)*
Get a free no-obligation estimate.
Or call 1300 042 766 (9am - 5pm)

*Click here to see important information about comparison rates, terms and conditions.

Subject to funding. Fees, charges, terms and conditions apply.

How can we help you?

Apply online in minutes.
No break fees for early repayment.
Borrow $5K — $70K unsecured.

Other Popular Reasons: Wedding loans, Education loans, Medical Expenses

Get a free no-obligation estimate
Apply now
Or call 1300 042 766 (9am - 5pm)
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Simple 100% online process

1.

How can we help?

Whatever it is you want to make happen, we're here to help. Tell us why you need the money and we'll kick things off.

2.

Getting to know you and your finances

As a responsible lender, we'll need to verify you are who you say you are, and that you can afford to borrow the money.

3.

Choose your terms

Review your personalised interest, loan amount and select the length and loan options that work best for you.

4.

Getting funded

Once funded, the money is deposited into your bank account, or disbursed to pay off your debts (if you're consolidating debt).

Get a free no-obligation estimate
Apply now
Or call 1300 042 766 (9am - 5pm)

We've got your interests at heart.

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You're unique, and so is your rate*

Our rates are personalised to you, so your rate is based on your circumstances, not everyone else's.

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Get your money fast.

Most loans listed in the Marketplace are fully funded within 24 hours.

online-application

A Streamlined 100% Online Application.

No queues, no need for any awkward face-to-face meetings — our process is 100% online, 24/7.

* Harmoney's interest rates and maximum loan amounts are offered based on the individual borrower's credit and affordability assessment.

Ready to begin?

Get a free no-obligation estimate
Apply now
Or call 1300 042 766 (9am - 5pm)

Our rates and fees

In a nutshell

Platform fee
$500
Early termination fee
$0
Loan limits
$5,000 — $70,000
Loan terms
3 or 5 year

You also need to know...

  • Your rate is fixed for the life of the loan
  • You can repay weekly, fortnightly or monthly
  • Rates from 6.99% p.a. to 28.69% p.a. (Comparison Rate 7.69% p.a. to 29.55% p.a.)*
  • All loans are unsecured

*Click here to see important information about comparison rates, terms and conditions.

Subject to funding. Fees, charges, terms and conditions apply.

pdf

Free download — car buying guide

We’ve put together a comprehensive guide to help you kick-start your search for a new car.

Free Download

What our customers are saying.

Very easy to understand and receive the loan I was looking for, great rate as well.

David M, NSW, July 27, 2018

Excellent service and information. Everything is transparent in obtaining the loan.

Ashley John L, AU, July 31, 2018

Excellent service and quick and I recommend them to anyone. Thank you so much to the staff at Harmoney.

Martin W, NSW, Aug 24, 2017

Fantastic service. Prompt response and awesome product.

Peter R, AU, Jul 30, 2018
5 stars
Google
4.7 Overall Rating
Shopper Approved
4.6 Overall Rating

Ready to begin?

Get a free no-obligation estimate
Apply now
Or call 1300 042 766 (9am - 5pm)

Trust and Security

trust-shield

$60,000,000

in funded loans.

53,000 members

in our growing community.

Bank Grade Security

with 256-Bit SSL encryption.

Licensed stamp over a wattle branch

Harmoney is regulated by the Australian Securities & Investments Commission

Ready to begin?

Get a free no-obligation estimate
Apply now
Or call 1300 042 766 (9am - 5pm)

Personal loan FAQs

How does marketplace lending work?

Marketplace lending is a revolutionary way for Australians to borrow between $5,000 and $70,000 for almost anything, from consolidating your debts to improving your home. Investors can fund as much of the loan as they want to, with great rates for both Borrowers and Investors. Find out more about marketplace lending.

h3>What are the benefits of an unsecured loan?

All loans through Harmoney’s marketplace are unsecured, so Borrowers don’t need to put down an asset such as their car or house as collateral.

Are there any restrictions on what I can use the money for?

So long as your intentions are legal, you can take out a personal loan for the purpose stated in your loan application. Some of the most common reasons why Borrowers apply for a loan through Harmoney include consolidating debt, renovating a home, upgrading a car and going on a dream holiday.

Are there any restrictions on what I can use the money for?

So long as your intentions are legal, you can spend the money on whatever purpose you stated in your loan application. Some of the most common reasons why Borrowers apply for a loan through Harmoney include consolidating debt, renovating their homes, upgrading their car, or going on a dream holiday.

Who can apply for a personal loan?

To be eligible to apply for a loan through Harmoney’s marketplace, you must be an Australian Citizen or permanent resident, or a New Zealand citizen with an Australian driver licence, Australian passport or New Zealand passport, a current Australian physical address and an Australian bank account.

You must also be at least 18 years old when you register and have an acceptable credit record (to be determined by Harmoney at its discretion). You can even apply if you’re outside the country, if you’re a permanent resident.

All loans must be taken out by an individual, rather than a company or other legal entity.

What is Harmoney?

Harmoney became New Zealand’s first licensed marketplace lending website in 2014, and since then, we’ve become the largest and fastest growing marketplace lender in Australasia.

Like all good Kiwi inventions, it wasn’t long until Aussies wanted to claim ownership too. So we’ve crossed the ditch, revolutionising the finance industry and providing an easy way for Borrowers and Investors to connect online.

Read more about our team and our company story.

Here when you need us.

Sometimes you just need to talk to a person, and we have a super-dedicated Customer Support team ready to help you. It’s a team effort, so you might get Michael, Kristen, Sahil, or any of our other 30+ specialists.

Terms & Conditions

*Based on a 5 year term. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 28.69% p.a. and are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.

WARNING: This comparison rate applies only to the example or examples given and may not include all fees and charges. Different amounts and terms will result in different comparison rates. Costs, fees, government charges like stamp duty and cost savings are not included in the comparison rate but may influence the cost of the loan.