Interest rates from²

5.76

%
p.a.

Comparison rate³

5.76

%
p.a.

AFR

Harmoney ranks in Top 10
2023 AFR Most Innovative Awards

Winner Award
Rate City
We

Set sail with a hassle-free online boat loan

Personalised finance for your first boat, your dream boat, or need a boat repair loan.

IN CONTROL

IN CONTROL

Borrow what you need for a new or used sailboat, speedboat, jet ski or other boat, or use a boat repair loan to fix up your own.

ONLINE BOAT LOANS

ONLINE BOAT LOANS - 24/7

You could be fishing, waterskiiing or just cruising at sea within a couple of days without the need for awkward face-to-face meetings.

UNSECURED LOANS

UNSECURED LOANS

Our loans are unsecured so there's no need to put your new boat, or any other asset, on the line to get the money.

Customers (and counting!)

100% online

Our AI-driven quote process is 100% online.

No paperwork, no queues and no need for awkward face-to-face meetings.

Super fast

Simply tell us about yourself and your finances and accept the terms to get funded in minutes

Rates tailored to you

Interest rates are based on your individual credit assessment - not one-size-fits-all.

What we offer

  • Loan amount

    $2,000 - $100,000

  • Interest rate from²

    5.76% - 24.03% p.a.

  • Comparison rate from³

    5.76% - 24.98% p.a.

  • Establishment fee⁴

    $0, $275 or $575

  • Repayment frequency

    Weekly, fortnightly, or monthly

  • Early repayment fee

    $0

  • Loan terms¹

    3, 5 or 7 years

  • Rate type

    Fixed rate

  • Lightning FAST funding

    Typically less than 5 minutes

  • Loan type

    Unsecured / Secured

Get a quick estimate

Loan Amount

You can apply to borrow $2000 - $100000

Loan Term

Credit history

Your repayment estimate

$0.00

Weekly repayment

Estimate includes establishment fee of $295.00

GET A QUOTE

Won't affect your credit score.

Disclaimer: This calculator provides an estimate only based on the example information provided. Loan term, rates, fees, and repayments may differ on your quote, based on a borrower’s individual credit assessment— see Interest rates and fees for details. This is not an offer, and quotes are subject to terms and conditions, approval and funding availability.

How to apply

01

Get to know you

Tell us about the personal loan you want, then provide us with some details about yourself and your finances.

02

Get your quote

We’ll give you a detailed quote with your interest rate, borrowing limit and repayments.

03

Get your money

After accepting the terms and providing some final details, most people receive their money in less than 5 minutes after loan acceptance.

GET A QUOTE

Won't affect your credit score.

Lightning FAST ⚡

Instant quotes, zero paperwork

Our AI-driven quote process is 100% online and paperwork-free. Get answers in seconds, so you can keep moving forward.

$2,000 to $100,000

Our unique AI will assess your needs and finances to offer you an affordable personal loan that suits your lifestyle.

Personalised for you in a flash

Our smart technology tailors your quote instantly – just answer a few questions, and let AI do the rest.

Lightning fast approvals

Get a quick quote in minutes and in most cases loans are funded in less than 5 minutes. It’s that easy!

Shopper Approved

4.8

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18,358 Reviews

Google

4.7

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1,537 Reviews

Product Review

4.0

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334 Reviews

Eligibility Criteria

To get a quote in Australia;

You must be 18 years or older.

You must be an Australian citizen, Permanent Resident or New Zealand citizen.

Your credit file must not have any defaults, judgments or bankruptcies.

You must have paid employment (which may include self-employment).

You need to borrow at least $2,000 with your loan.

You need to have photo identification documents such as your valid Australian passport or driver’s to licence, to hand.

If you are not eligible now, you may be in the future.