I have a low credit score. Am I still eligible?

In New Zealand, if your bureau credit score is below 250 and/or you have adverse data on your credit report, you may not be eligible for a loan at this time.

In Australia, if your bureau credit score is below 400 and/or you have adverse data on your credit report, you may not be eligible for a loan at this time.

If your bureau score improves over time, we suggest you try again by requesting a quote from Harmoney for the loan amount and interest rate you may be eligible for.

A quotation enquiry allows us to assess your credit history without it negatively impacting your credit score. Your credit score may be impacted by the credit check that is performed if you progress from a quote to a loan appication.