Harmoney ranks in Top 10
2023 AFR Most Innovative Awards

AFR
Finder Innovation Awards - 2025
Best Excellent Credit Personal Loan
We Money

Start almost anything

Customers (and counting!)

100% online

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

Super fast

Accept your loan terms and provide some final details. Most loans are fully funded in less than 5 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

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!

How customers rate us

4.8 out of 5 stars - based on 20,842 reviews

ShopperApproved

4.8

18,693 Reviews

Product Review

4.0

365 Reviews

Google

4.7

1,784 Reviews

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.

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.

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

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

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

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

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