# Harmoney Australia — loan products

Machine-readable reference. All regulated figures match the website (one source).

Harmoney Australia Pty Ltd (ACL 474726, AFSL 474726). Dispute resolution: Australian Financial Complaints Authority, membership 43816. Registration: ABN 12 604 342 823.

## Personal Loan (unsecured)

- Interest rate: 5.76% p.a. – 24.03% p.a. (fixed)
- Comparison rate: 5.76% – 24.98% p.a. (NCCP Regulation 100, $30,000 over 5 years)
- Loan amount: $2,000 – $100,000 (increments of $100)
- Terms: 3, 5 and 7 year
- Repayments: weekly, fortnightly and monthly
- Establishment fee: $275 (loans up to and including $4,999) or $575 (loans of $5,000 and over)
- No monthly fees, no early-repayment fee.
- Page: https://www.harmoney.com.au/personal-loans — markdown: request with Accept: text/markdown

## Car Loan (secured)

- Interest rate: 5.66% p.a. – 21.99% p.a. (fixed)
- Comparison rate: 5.66% – 22.92% p.a. (NCCP Regulation 100, $30,000 over 5 years)
- Loan amount: $2,000 – $100,000 (increments of $100)
- Terms: 3, 5 and 7 year
- Repayments: weekly, fortnightly and monthly
- Establishment fee: $275 (loans up to and including $4,999) or $575 (loans of $5,000 and over)
- No monthly fees, no early-repayment fee.
- Page: https://www.harmoney.com.au/secured-loans — markdown: request with Accept: text/markdown

## Borrow by need

Amount windows are typical guidance for each need, not product limits; the loan amount ranges above apply.

- Fast Loan (Get money fast): https://www.harmoney.com.au/loan/fast-loan — typical window $2,000 – $50,000 — Personal Loan — markdown: request with Accept: text/markdown
- Small Loan (Borrow a smaller amount): https://www.harmoney.com.au/loan/small-loan — typical window $2,000 – $10,000 — Personal Loan — markdown: request with Accept: text/markdown
- Cash Loan (Quick cash when you need it): https://www.harmoney.com.au/loan/cash-loan — typical window $2,000 – $30,000 — Personal Loan — markdown: request with Accept: text/markdown
- Low Interest Loan (Find a low rate): https://www.harmoney.com.au/loan/low-interest-loan — typical window $15,000 – $100,000 — Personal Loan, Car Loan — markdown: request with Accept: text/markdown
- Short Term Loan (Repay sooner): https://www.harmoney.com.au/loan/short-term-loan — typical window $2,000 – $20,000 — Personal Loan, Car Loan — markdown: request with Accept: text/markdown
- Easy Loan (Simple application process): https://www.harmoney.com.au/loan/easy-loan — typical window $2,000 – $50,000 — Personal Loan — markdown: request with Accept: text/markdown
- Online Loan (Apply from home): https://www.harmoney.com.au/loan/online-loan — typical window $2,000 – $100,000 — Personal Loan — markdown: request with Accept: text/markdown
- EV Loan (Electric vehicle financing): https://www.harmoney.com.au/loan/ev-loan — typical window $10,000 – $100,000 — Personal Loan, Car Loan — markdown: request with Accept: text/markdown
- Car Loan (Car Loan): https://www.harmoney.com.au/loan/car-loan — typical window $2,000 – $100,000 — Personal Loan, Car Loan — markdown: request with Accept: text/markdown

## Borrow by purpose

Amount windows are typical guidance for each purpose, not product limits; the loan amount ranges above apply.

### Personal Loan — /personal-loans/{purpose}

- Debt Consolidation (Consolidating my debt): https://www.harmoney.com.au/personal-loans/debt-consolidation — typical window $5,000 – $100,000 — markdown: request with Accept: text/markdown
- Home Improvements (Improving my home): https://www.harmoney.com.au/personal-loans/renovation-loan — typical window $5,000 – $100,000 — markdown: request with Accept: text/markdown
- Holiday Expenses (Going on holiday): https://www.harmoney.com.au/personal-loans/travel-loan — typical window $2,000 – $30,000 — markdown: request with Accept: text/markdown
- Business Cash Flow (Growing my business): https://www.harmoney.com.au/personal-loans/business-loans — typical window $5,000 – $100,000 — markdown: request with Accept: text/markdown
- Wedding Expenses (Wedding): https://www.harmoney.com.au/personal-loans/wedding-loans — typical window $5,000 – $50,000 — markdown: request with Accept: text/markdown
- Household Items (Household items): https://www.harmoney.com.au/personal-loans/household-items — typical window $2,000 – $20,000 — markdown: request with Accept: text/markdown
- Loan to Family Member (Loan to family member): https://www.harmoney.com.au/personal-loans/loan-to-family — typical window $2,000 – $50,000 — markdown: request with Accept: text/markdown
- Education Expenses (Education): https://www.harmoney.com.au/personal-loans/education-loan — typical window $2,000 – $50,000 — markdown: request with Accept: text/markdown
- Medical Expenses (Medical): https://www.harmoney.com.au/personal-loans/medical-loans — typical window $2,000 – $50,000 — markdown: request with Accept: text/markdown
- Funeral Expenses (Funeral): https://www.harmoney.com.au/personal-loans/funeral-loan — typical window $2,000 – $25,000 — markdown: request with Accept: text/markdown
- Tax Bill (Tax bill): https://www.harmoney.com.au/personal-loans/tax-loan — typical window $2,000 – $50,000 — markdown: request with Accept: text/markdown
- Legal Fees (Legal fees): https://www.harmoney.com.au/personal-loans/legal-fees — typical window $5,000 – $50,000 — markdown: request with Accept: text/markdown
- Computer (Computer): https://www.harmoney.com.au/personal-loans/computer — typical window $2,000 – $5,000 — markdown: request with Accept: text/markdown
- Purchase Boat (Boat): https://www.harmoney.com.au/personal-loans/boat-loans — typical window $10,000 – $100,000 — markdown: request with Accept: text/markdown
- Purchase Caravan (Caravan): https://www.harmoney.com.au/personal-loans/caravan-loan — typical window $10,000 – $100,000 — markdown: request with Accept: text/markdown
- Other (Something else): https://www.harmoney.com.au/personal-loans/other — typical window $2,000 – $100,000 — markdown: request with Accept: text/markdown

## URL grammar

- Products: /{product} — personal-loans, secured-loans
- Purposes: /personal-loans/{purpose} — debt-consolidation, renovation-loan, travel-loan, business-loans, wedding-loans, household-items, loan-to-family, education-loan, medical-loans, funeral-loan, tax-loan, legal-fees, computer, boat-loans, caravan-loan, other
- Needs: /loan/{need} — fast-loan, small-loan, cash-loan, low-interest-loan, short-term-loan, easy-loan, online-loan, ev-loan, car-loan
- Amount routes: /{product}/{amount} — 2000, 3000, 4000, 5000, 10000, 12000, 15000, 20000, 25000, 30000, 40000, 50000, 70000, 100000
- Amount + term routes: /{product}/{amount}/{term} — 3-years, 5-years, 7-years

## Key URLs

- Home: https://www.harmoney.com.au/
- Personal Loan: https://www.harmoney.com.au/personal-loans
- Car Loan: https://www.harmoney.com.au/secured-loans
- Loans hub: https://www.harmoney.com.au/loan
- Index: https://www.harmoney.com.au/llms.txt
- Sitemap: https://www.harmoney.com.au/loan/sitemap.xml

## Machine access

The product pages and the need pages above also serve a markdown representation: send Accept: text/markdown (recognised AI crawlers receive it without the header). Every other path serves HTML only.

## Company

- Paul Lahiff (Independent Chairman): https://www.harmoney.com.au/about-us/people/paul-lahiff
- David Stevens (Managing Director, Chief Executive Officer): https://www.harmoney.com.au/about-us/people/david-stevens
- Simon Ward (Chief Financial Officer): https://www.harmoney.com.au/about-us/people/simon-ward
- Neil Roberts (Founder & Non-Executive Director): https://www.harmoney.com.au/about-us/people/neil-roberts
- Brad Hagstrom (Chief Operating Officer): https://www.harmoney.com.au/about-us/people/brad-hagstrom
- Anna Cupples (Chief Digital Officer): https://www.harmoney.com.au/about-us/people/anna-cupples
- Monique Cairns (Independent Director): https://www.harmoney.com.au/about-us/people/monique-cairns
- Glen MacKellaig (Chief Marketing Officer): https://www.harmoney.com.au/about-us/people/glen-mackellaig
- Amanda Donaldson (Chief People Officer): https://www.harmoney.com.au/about-us/people/amanda-donaldson
- John Quirk (Independent Director): https://www.harmoney.com.au/about-us/people/john-quirk
- Dan York (Chief Product Officer): https://www.harmoney.com.au/about-us/people/dan-york
- Mike Travis (General Counsel): https://www.harmoney.com.au/about-us/people/mike-travis
- Dave Nesbitt (Chief Risk Officer): https://www.harmoney.com.au/about-us/people/dave-nesbitt
- Duncan Gross (Group Treasurer): https://www.harmoney.com.au/about-us/people/duncan-gross
- Andrew Bates (Chief Technology Officer): https://www.harmoney.com.au/about-us/people/andrew-bates
- Marija Stulich (Head of Retention): https://www.harmoney.com.au/about-us/people/marija-stulich

## Contact

- Phone: 1300 042 766
- Email: customerservice@harmoney.com.au

### Important information

Harmoney Australia Pty Ltd (ACL 474726, AFSL 474726). Dispute resolution: Australian Financial Complaints Authority, membership 43816.

Comparison rate warning: the comparison rate applies only to the example given (NCCP Regulation 100). Different amounts and terms result in different comparison rates.

The rate offered depends on your individual credit assessment. Fees, charges, terms and conditions apply.