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Welcome back

Let's complete your loan

Most borrowers get their money within 24 hours of accepting their loan terms



Our latest awards
finder award 2019 v2
mozo award 2017 v2
mozo award 2018
rate city 2020 v2

Make it happen today

Whether you're looking to consolidate your debts, upgrade the kitchen, or something entirely different, Harmoney could help you make it happen.

Complete your application today and you could be making it happen sooner than you think! Most borrowers get their money within 24 hours of accepting their loan terms. Our helpful team is available on chat throughout the process and via 1300 042 766. Get in touch, and we can talk you through it.

What our customers say

5.0 Easy transaction
Easy website to use, very accomodating.
No stress
I've been with Harmoney for 6 mths and the experience has been awesome. I just topped, and again the experience was awesome
5.0 Harmoney service is awesome, easy and I got approval in 5 minutes.
5.0 Awesome speed in getting service from Harmoney. Enjoyed the experience.

What we offer

$2K - $50K

Loan limits
3 or 5 years

Loan terms
$275 or $575

Establishment fee
$0

Early repayment fee
  • All loans are unsecured
  • Rates from 6.99% - 25.69% p.a.¹ (comparison rate 7.79% - 26.65% p.a.²)
  • Your rate is fixed for the life of the loan
  • You can repay weekly, fortnightly or monthly
  • Establishment fee of $275 for loans under $5,000 ³
  • Establishment fee of $575 for loans $5,000 and over ³
  • No monthly account keeping fees

Find out more about our rates and fees

We're real people and here if you need us

If you need help, just give us a call on 1300 042 766 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

Customer service m wide min v3

Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 25.69% p.a. (Comparison Rate 7.79% p.a. to 26.65% 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.

2. Comparison rate of 7.79% p.a.to 26.65% p.a.is based on an unsecured personal loan of $50,000 over 5 years. WARNING: The comparison rate applies only to the example given. 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.

3. Establishment fee of $275 for loans up to $5,000 and $575 for loans $5,000 and over. Fixed rates range from 6.99% p.a. (Comparison Rate 7.79% p.a.) to 25.69%(Comparison Rate 26.65% p.a.) on 36 to 60 month terms, with no early repayment penalties.