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Secured rates from²
5.66
%
p.a.
Comparison rate³
5.66
%
p.a.
Harmoney ranks in Top 10
2023 AFR Most Innovative Awards
01
Get your rate in 92 seconds
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 and your rate is guaranteed for 60 days
4.8
18,693 Reviews
4.0
365 Reviews
4.7
1,784 Reviews
This system gets better every time I try it.
Thanks!
Kini from Harmony was very helpful and it was a very pleasant experience
Great place . Helped me very much very easy to deal with
That was the quickest and easiest loan application ive ever done
Once again Harmoney has been brilliantly easy
Very fast and easy
East to apply,great result
This system gets better every time I try it.
Thanks!
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.
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.
So easy and quick loan service. Excellent 👍
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Easy, honest and straightforward.
Frequently asked questions
What is the Harmoney Quick Quote service?
The Quick Quote service provides you with a fixed interest rate and an estimated borrowing amount in minutes, without requiring you to upload your Identity Verification (IDV) or Bank Statements (BS) at the initial quote stage. This gives you a clear and immediate picture of what your loan could look like so you can make an informed decision.
Does using the Quick Quote service affect my credit score?
No, a Quick Quote will not impact your credit score.
We run a soft credit check on your credit file to provide you with an accurate quote. This is a quotation enquiry that - although recorded in your credit file - won't be used by credit bureaus to assess your score. A hard credit check only occurs if you commence a loan application. We’ll let you know before we do a hard credit credit check.
Who is the Quick Quote service for?
The service is designed for both new and existing Harmoney customers.
- New Customers: If you've never had a loan with Harmoney before, you can get a quick, indicative quote.
- Existing and Returning Customers: If you're a current or past Harmoney customer, the QQ service provides you with a quote without you needing to complete a full application, offering a streamlined experience and supporting our goal to reward customer loyalty.
What information do I need to provide to get a personal loan Quick Quote?
The Quick Quote calculation primarily uses inputs that you declare, such as your net income, living expenses, debt repayments, and accommodation expenses. This is a move towards a more transparent process that relies on the information you provide.
Can I get a secured loan quote using the Quick Quote service?
Once our secured auto loan product is released, you will have the option to select a secured vehicle loan and receive an interest rate for it through the QQ service. The unsecured rate will also be displayed for comparison.
What happens if I try to get multiple quotes?
To ensure we can provide guaranteed rates with confidence, the number of edits per QQ per customer is limited to two every 60 days. After the second attempt, you will receive the same rate as your second quote for all subsequent attempts.
What if I have an active loan or application with Harmoney?
If you have an active approved application, or a quote has already been offered, you will be directed to complete that application rather than being provided a new Quick Quote. However, if you have an application in progress, you will still be able to complete a Quick Quote.
Is the interest rate I receive guaranteed?
Yes, the personalised interest rate you receive is locked in and guaranteed for 60 days.
What if I am an existing or returning customer?
If you're a current or past Harmoney customer, the QQ service provides you with a quote without needing to complete a full application, offering a streamlined experience and supporting our goal to reward customer loyalty.
How many times can I get a Quick Quote?
You are limited to two Quick Quotes every 60 days.
What happens after I get my Quick Quote?
Once you have your quote, you can decide whether to proceed with the full application by creating a Harmoney account. Complete the application in full and receive a quote offer and accept the terms and provide final details.
Does the Quick Quote service consider combined incomes for partners?
Adding your spouse or de facto partner is also known as adding a co-borrower.
The Quick Quote service assesses the individual applicant's income, and does not currently cover co-borrower situations. We do compare declared income with bank statements, which can sometimes reflect combined incomes, so it's important that you provide your true, personal net income for the most accurate quote.
Why is it important to declare all my debts, including mortgages?
It's essential to disclose all your debts, such as mortgages, to ensure we have an accurate understanding of your financial situation. This helps us provide you with a reliable assessment and avoids potential financial risk. If debts are not declared, it can lead to inaccurate financial assessments and may require you to reapply.
Is the amount guaranteed?
No, the Quick Quote provides an estimated borrowing amount and a fixed interest rate. You must complete a full application to get approved for credit, at which point a final approved amount would be determined.
What happens if I already have a quote?
If you have a successful application or an active quote, you will be directed to complete your application rather than getting a new Quick Quote. If you have an application in progress, you will still be able to complete a Quick Quote and receive that rate when you complete your application.
If I already have a loan with Harmoney, can I get a Quick Quote?
If you have an active loan (meaning the funds have been disbursed) you can get a Quick Quote if you are looking to borrow more.
How much can I borrow to buy my vehicle?
You can request anywhere from $2,000 up to $100,000, subject to your affordability and credit profile.
Do I need a deposit or trade-in?
No deposit or trade-in is needed! You can finance up to 100% of the cost of your vehicle, making it easier to shop like a "cash" buyer.
Can I buy from a private seller?
Yes, you can! Harmoney has no restrictions on where you purchase your vehicle, so both dealerships and private sales are acceptable.
Can I use a Harmoney loan to pay off my loan from the vehicle dealer?
Absolutely. Once your loan is approved, you can use the funds to pay off your old loan and enjoy a new fixed rate with no early repayment fees.
What are my loan options when applying for a vehicle loan?
When you get a quote, you can choose between a secured and an unsecured loan. The choice is yours. A secured loan typically has a lower interest rate because the vehicle acts as collateral.|
Learn more about interest rates.
Can I use my loan to buy any type of vehicle?
For an unsecured loan, you can purchase any type of vehicle, such as cars, motorbikes, trucks, buses, and vans. However, for a secured loan, you can only purchase a car or a motorbike.
How long do I have to secure my loan?
From the day your funds are disbursed into your account, you have 60 days to buy your vehicle and secure your loan. If you don't secure your loan within 60 days, it will convert to an unsecured loan, which carries a higher interest rate.
What do I need to do to secure my loan?
- Enter into your loan contract and receive your money.
- Buy a vehicle within 60 days. This vehicle will then serve as security for your loan, allowing you to enjoy your lower interest rate.
- Complete the vehicle details form from your dashboard.
- is in your name;
- is with a reputable insurance company;
- has comprehensive cover for the vehicle's full value or a minimum of $10,000, whichever is greater; and
- names “Harmoney Australia Pty Ltd” as an interested party.
IMPORTANT
If you don't buy a vehicle and complete the vehicle details form within 60 days, your rate becomes a higher unsecured rate.
Where can I find my VIN or chassis number?
In most cars, you can find your VIN printed on the driver’s side interior dashboard otherwise you will be able to find it in one of the below locations.
Can I extend my deadline to secure my loan?
Yes. If you need more time, you can extend your deadline by 30 days. This option becomes available 10 days before your current deadline, and you can only extend once. To do this, simply log in to your dashboard and select “Extend security deadline”.
What happens if my security details cannot be verified?
If your vehicle does not meet our eligibility criteria or we do not receive the required documents, we will not be able to use your vehicle as security, and your loan will revert to an unsecured loan, at a higher interest rate.
What happens if I want to sell my vehicle after I take the loan?
Unsecured Loan If you have an unsecured loan, your vehicle is not tied to the loan agreement. This means you can sell your vehilce at any time without needing to notify us or gaining our permission. The loan remains in place as a personal loan, and your repayment schedule continues as originally planned.
Secured Loan A secured loan uses your vehicle as collateral. This means the loan is secured against the vehicle, and we have a financial interest in it until the loan is fully repaid. If you want to sell the vehicle, you have two options:
- Pay off the loan: You can pay the remaining balance of your loan in full. Once the loan is paid off, the security registration over your vehicle is released, and you are free to sell it. We do not charge any fees for an early repayment.
- Remove the vehicle from the loan: If you’d like to sell your vehicle but keep your loan, you can apply to have the security registration over your vehicle released early. Once approved, we’ll remove the vehicle as security within 1–2 business days. After 20 days, your loan will automatically switch to an unsecured loan with a higher interest rate.