Interest rates from²
5.76
%
p.a.
Comparison rate³
5.76
%
p.a.
Harmoney ranks in Top 10
2023 AFR Most Innovative Awards
Borrow up to $100K with a small business loan
Whether you’re starting up or growing your company, a business cashflow loan can keep your business goals in sight.
FAST CASH
Most business loans on Harmoney are funded within 24 hours, so you won’t have to delay that important meeting or purchase.
LESS PAPERWORK
A small business loan with Harmoney is taken out under your own name, not your business name, which can make accounting easier.
DON’T RISK ASSETS
All our personal loans are unsecured, so you don’t have to put up your home, car, or other property as security.
Won't affect your credit score.
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
Get a quick estimate
Loan Amount
You can apply to borrow $2000 - $100000
Loan Term
Credit history
Your repayment estimate
$0.00
Weekly repayment
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.
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Whether you're launching a new venture or scaling an existing one, securing the right funding is crucial. Harmoney offers personal loans to cover startup costs, invest in growth, or manage working capital. Unlike traditional business loans, these are taken out in your individual name, simplifying accounting and providing a clear separation from your business's financial statements. This approach gives you the financial flexibility you need to make your business aspirations a reality.
Harmoney's business personal loans come with a range of benefits tailored to entrepreneurs. All our loans are unsecured, meaning you won't need to put your personal assets, such as your home or car, at risk.
Empower your business growth with a flexible personal loan from Harmoney.
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.
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!
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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.