Looking for a finance option for your business website in Australia?

Harmoney’s API-driven lending makes integration seamless.

Drive Growth with Australia’s Most Trusted Digital Finance Partner

Transform your platform or website from a research destination into a high-conversion commerce engine. Partner with Harmoney (ASX:HMY), the 100% digital lending pioneer, to offer your customers money in minutes without the traditional finance headache.

Contact Our Partnerships Team

partners@harmoney.com.au

Become a Harmoney Partner Today. Our dedicated Australia partnership team are inviting expressions of interest to our pilot programme.

 

Finder Innovation Awards- 2025-1

 

Why Partner with an ASX-Listed Fintech Leader?

In a shifting economic landscape, stability and speed are your greatest competitive advantages. Harmoney provides a Lending-as-a-Service (LaaS) model that removes friction from your customer journey.

  • ASX-Listed Transparency: Partner with a publicly traded company (ASX:HMY) that prioritizes Australian data security standards, ASIC regulatory compliance, and world-class governance.

  • 100% Digital, 0% Paperwork: Our proprietary Stellare® platform assesses risk in real-time, providing personalized interest rate quotes to Australian borrowers in as little as 90 seconds.

  • Funds in Minutes: We don't just approve; we fund. Most Harmoney loans are settled and in the customer’s Australian bank account within 5 minutes of approval.

  • Zero Credit Risk for You: We handle the end-to-end lending lifecycle—from credit assessment to collections—so you can focus on your core Australian business.

A Technical Edge: Seamless API Integration

Our developer-friendly API is built for the modern Australian web. Whether you want a fully native integration or a lightweight white-label widget, our team provides the documentation and support to get you live in weeks, not months.

  • Personalized Risk Pricing: Show Australian users rates based on their actual credit profile.

  • Cross-Platform Performance: Optimized for mobile-first marketplaces.

  • Data-Driven Insights: Gain deep visibility into your Australian users' buying power and intent.

 

Strategic Solutions for Australian Industries

Auto Marketplaces & Dealerships

  • The Opportunity: Turn Australian browsers into "Cash Buyers."
  • The Integration: Embed "Weekly Repayments" on every vehicle listing. Our API allows users to secure car finance at the point of high intent, reducing marketplace drop-off and increasing sales velocity for your Australian dealer network.

Builders & Home Improvement Platforms

  • The Opportunity: Accelerate project start dates for Australian renovations.

  • The Integration: Stop waiting for slow bank equity releases. Offer an embedded personal loan option at the quote stage, allowing homeowners to fund renovations and pay deposits instantly to Australian trades.

Wedding & Event Planners

  • The Opportunity: Increase average booking value for Australian weddings.

  • The Integration: Provide couples with immediate access to funds for venue deposits and vendor bookings. Our unsecured wedding loans offer a frictionless "buy now" experience for the multi-billion dollar Australian wedding industry.

Financial Literacy & Comparison Hubs

  • The Opportunity: Replace "estimated rates" with "real quotes" for Australian consumers.
  • The Integration: Move beyond static tables. Use our direct-lender API to show your Australian audience the actual rate they qualify for, driving higher satisfaction and conversion for your site.

Email

partners@harmoney.com.au

What our customers say

horse
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Yvette W.
Last Month

This system gets better every time I try it.
Thanks!

Hima
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Hima L.
Last Month

Kini from Harmony was very helpful and it was a very pleasant experience

Amie J.
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Amie J.
Last Month

Great place . Helped me very much very easy to deal with

Jesse S.
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Jesse S.
Last Month

That was the quickest and easiest loan application ive ever done

Alan M.
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Alan M.
Last Month

Once again Harmoney has been brilliantly easy

Adam G.
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Adam G.
Last Month

Very fast and easy

RICK G.
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RICK G.
Last Month

East to apply,great result

David
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David R.
Last Month

This system gets better every time I try it.
Thanks!

Kym W.
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Kym W.
Last Month

Easy 5 start....The process was quick easy hassle free and I had the money was in my account 5 minutes after the contract was finalised. Also Harmoney was 3% lower than anyone else i got a loan quote from. Highly recommend.

Nicholas A.
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Nicholas A.
Last Month

Exceptional service! The loan process was fast, transparent, and stress-free. Highly recommend this company for anyone needing some Financial help fast without getting smashed with a high interest rate loan . A good experience from start to finish. Now onto my second loan.

Rajbir K.
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Rajbir K.
Last Month

So easy and quick loan service. Excellent 👍

Cameron M.
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Cameron M.
Last Month

Easy, honest and straightforward.