Application FAQs

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Common questions

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My address does not show up. What should I do?

The address field can sometimes be tricky and rural/new addresses might not be found by our system or may appear incorrectly.

If you do experience difficulty, you can enter your address manually.

  1. Start to enter your address
  2. Scroll the results, until you reach the bottom of the list
  3. Click "Address not listed? Show more"
  4. Scroll the results, until you reach the bottom of the list
  5. Click "Address not found? Use manual entry"
  6. Enter your address manually

In addition, please provide proof of address by uploading a copy of a utility bill or bank statement. You can send this through to or or attach it into our live chat window.

Please note:

  • we only accept addresses that can receive mail delivery; and
  • we do not accept PO Boxes.
What forms of ID do you accept?

In New Zealand, we accept valid and current:

  1. NZ driver licence
  2. NZ passport

In Australia, we accept valid and current:

  1. Australian Drivers License
  2. Australian Passport

We do not accept visas, 18+ cards or any other forms of identification.

Why do you need to verify my identity?

Like all financial institutions, Harmoney is required by law to identify its customers. Harmoney verifies your identity and address to comply with the law and to ensure that no one is attempting to borrow money under your name without your permission.

Verifying your identity:

  • helps keep you secure;
  • builds stronger protection for everyone that uses Harmoney services; and
  • ensures we are compliant with the law.
My ID has failed to upload or cannot be verified. What should I do?

Please check that your ID is current and is not suspended or expired.

If your ID is valid, upload a copy of your driver licence or passport and email it to or attach it into our live chat window.

Make sure the copy is

  • clear;
  • in colour; and
  • includes both front and back (licence only).

Once we receive this information, we should be able to progress you along.

What is automated income verification and what is it for?

Most borrowers choose the fully automated process to verify their income so they can benefit from a speedy online experience. This is an option for you to provide us with read-only access to your bank statements. This is required so we can understand your financial circumstances. This will help us determine how much you can afford to borrow.

Harmoney uses Australasia’s leading bank-grade technology to view your accounts. The process is quick, safe and fully automated.

How does it work?

We automate the retrieval of your bank statements, required for the verification of your income. This means that you won't have to manually upload your bank statements, making it much faster and easier for you to move on and complete the rest of the process.

Can I share my financial details another way?

No, for very good reasons. We’ve automated this process so we can give you your quote faster, and assess your situation more accurately. This way, we can personalise a loan solution for you in minutes - rather than days.

How do I know this service is secure?

Our bank grade technology means your bank user ID and password are instantly encrypted making them unusable by any unauthorised person.

I am self employed - what documentation do I need to provide?

If you are self-employed we will require both your personal and business accounts from the last 3 months. We also need a personal tax return and profit and loss statement from the last financial year.

In Australia you also need to provide a Notice of Assessment.

Attach the documents into our live chat window. Or in NZ you can send this through to; in Australia you can send it to

Why should I provide online bank statements?

The fully automated process to verify your income is quick, convenient, and secure.

With a snapshot of your recent transaction history, we can analyse your income within minutes.

Learn more about how automated income verification works.

Can I add more than one bank account?

If you receive income in separate accounts, you should add each one.

If you are on the 'Let's take a look at your finances' screen, click “Yes, add another bank”.

If you are on the 'Verify your income' screen, click “Add another bank” link as seen below.

Can I change my answers once I’ve filled in the form?

Once you're done, you won’t be able to go back to change your answers. If you need to correct some information after you’ve finished, you will need to withdraw and start again.

For more helpful FAQs head to our help centre.

Or if you're ready to carry on, simply sign in and pick up where you've left off.

Sometimes you just need to talk to a person

We can guide you through the process, just give us a call on 1300 042 766 or jump on to online chat and Kristen, Ana or one of our other 30+ specialists will be there to lend a hand.

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