Welcome back.

You’re only a few steps away - complete your application today and you could have the money in your account within 48 hours*!

Complete my application

Welcome back

You’re just a few steps away from completing your application! Complete it today and you could have money in your bank account within 48 hours.*

Complete my application

Complete your application now!

Our Investors are waiting to fund you.

Whether you’re looking to consolidate your debts, upgrade the kitchen, or something entirely different, Harmoney could help you make it happen. Our helpful team is available on chat throughout the application, and via 1300 042 766.

*Loans that reach full funding before 4pm on a weekday will have funds disbursed that night. Loans that reach full funding on weekends or public holidays will have funds disbursed the following business day.

Why get your personal loan through Harmoney?


100% online application.

It’s easy to apply online whenever suits you. 90% of loans on our marketplace are funded within 48 hours.


Personalised rates.

You’re unique, so is your interest rate. It’s customised to your circumstances, not everyone else’s.


$2K to $50K, unsecured.

No ball and chain here, just easy repayments you can afford. No hidden or early repayment fees either.

Still have questions?

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*The Legal Stuff

Subject to approval. Credit criteria, fees, charges, terms and conditions apply. Harmoney’s interest rates are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. To apply for a personal loan through Harmoney, you must be an Australian citizen or permanent resident or a New Zealand citizen aged 18 years or older with a valid Australian driver licence or valid Australian or New Zealand passport or an overseas passport with a valid visa. You must have an acceptable credit record, as determined by Harmoney at its discretion.