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Loan Debt Consolidation


Low interest loans for debt consolidation

Are you tired of paying high interest rates?

Our latest awards
rate city 2021
finder award 2019 v2
mozo award 2018
rate city 2020 v2
mozo award 2017 v2

Apply today and see how much money you can save!

What we offer

We understand that life throws unexpected curveballs, and that's why we're here to help. We offer flexible payment options so you can find a plan that works for you.

$2K — $50K

Loan limits
3 or 5 years

Loan terms
$275 or $575

Establishment fee

Early repayment fee
  • All loans are unsecured
  • Rates from 5.35%¹ (comparison rate 6.14%²)
  • Your rate is fixed for the life of the loan
  • Establishment fee of $275 for loans under $5,000 ³
  • Establishment fee of $575 for loans $5,000 and over ³
  • No monthly account keeping or early repayment fees
  • You can repay weekly, fortnightly or monthly

What our customers say

5.0 You couldn't have made it any easier. I applied for the loan on my phone in a break at work and had an answer back straight away. 10/10 service so far!! Australia
5.0 Harmony is so easy to understand on line and when I do speak to a Harmony member they are so polite and helpful Australia
5.0 This was so quick! Can't believe how quick! I am totally going to recommend Harmony Finance to all my family and friends. Thank you! Australia
5.0 Harmony was a very easy process. Thank you very much for the fantastic service. Australia
5.0 Excellent service,easy application process. Better to deal with than any of the big banks. So grateful to Harmony Australia
5.0 Very quick and easy process, Thank you Harmoney Australia
5.0 Fast easy loan process. Very happy with the service provided. Australia
5.0 I honestly didn't realise I could get finance without the headache that's normally associated with it. Very straight forward. Australia
5.0 Second time around with Harmoney and I have to say the service and experience is very good. Thank you Australia
5.0 Everything is so quick & easy with Harmoney! Australia
5.0 quick and easy way to get help in finance. Very helpful staffs. Thanks Australia
5.0 I found Harmony was very efficient with the way they handled my new loan very good thanks Australia
5.0 Excellent service, this is my second ;loan :), would highly recommend Harmony Australia
5.0 The Team at Harmoney are amazing to deal with, the prompt service and a very easy platform to navigate. Australia
5.0 It is quick and easy process to apply for finance for whatever purposes with Harmoney. Australia
5.0 Thankyou so much for making this easy to apply for loan and quick turnaround Australia
5.0 Thank you Harmoney Australia Australia
5.0 You guys at Harmoney are just amazing. So easy. Not intrusive and the customer service staff are super helpful. Thank you for not making me feel like a failure...as the banks do... Being a single Mum on one wage due to my husband passing away all my bank want to do is give me advice on budgeting...no help at all. Thank you again Harmoney for being understanding , helpful , considerate and for putting a smile back on my face. Financially, I can now breathe. :):):) 5+ star service. Australia
5.0 Harmoney makes consolidating debt fast and easy, relieving the worry of dealing with multiple accounts Australia
5.0 Easy to read and understand, will recommend Harmony to friends and family Australia
5.0 it was so easy and paperless to apply for a loan Australia
5.0 Harmoney have been very helpful and easy to deal with. Australia
5.0 Very easy to get funding Everybody body at Harmoney are easy to talk to and very helpful with any questions I had and help me every step of the way with my application. Cheers Peter Australia
5.0 Harmony are amazing they are all about us the lenders with extremely fair loan repayments. The team are always so considerate helpful and put our stressed minds at ease. I would never brow from anyone else. Australia
5.0 Very easy process. If you have any problems Harmoney staff are easy to deal with. Australia
5.0 Harmoney was awesome Australia
5.0 Harmoney have been wonderful. Thank you Australia
5.0 Good Support.... The Page where you select your loan amount after being told your borrowing power wasn't clear to me. Australia
5.0 I have been impressed so far the time frame process has taken to approve the loan Australia
5.0 The process was slightly lengthy, but worth it to get a loan approved in minutes. Australia
5.0 Very easy to apply for a loan and love that you can repay early without any fees Australia
5.0 Quickest easiest loan ever Australia
5.0 Very helpful people at Harmoney . Thank you for your assistance Australia
5.0 so far so good. All process are seamless and less hassle. Hopefully all goes well until I finish my loan. Australia
5.0 i called them twice, very helpful people work for Harmony Australia
5.0 Very satisfied with harmony experience I had is that they worked very quickly and I would recommend harmony to my friends and thank you again Australia
5.0 Harmony’s have been one of the best I have loaned from Australia
5.0 Absolutely no fuss, easy to deal with and the team at Harmoney are super helpful! Australia
5.0 Very easy to understand and follow instructions to complete loan application. Australia
5.0 Very happy with Harmoney. I like the flexibility. Australia
5.0 Got approved for my loan in under 10 mins Australia
5.0 Very easy to deal with didn't mind making changes after loan was set up Australia
5.0 Really great service and happy to continue with Harmony..Highly recommend Australia
5.0 quick response to 2.5k loan Australia
5.0 It is so quick and easy
No making around
I am really happy with Harmony loan
5.0 Best Finance Company Australia
5.0 I am very happy with the process and the consultants I dealt with. They were very helpful and pleasant Thank you very much. Harmoney. Australia
5.0 Easiest loan application ever Australia
5.0 Extremely easy, smooth and fast process! I have used Harmoney in the past and have told my family and friends to go with Harmoney! Australia
5.0 I work days and nights outside normal time frames. So finding the right finance isn't so easy. Harmoney's application process is so easy and stress-free to manage. Thank you. Australia
5.0 I love you guys, its the easiest loan i have ever applied for Australia
5.0 Easy and promt.
Thank you Harmoney
5.0 I Recommend Harmoney for Fast, Hassle free loans with professional staff available for any questions for quick response via phone ,and online. Australia
5.0 I have always found Harmoney a quick and easy process. Highly reccomend their services. Australia
5.0 Thankyou for a simple and fast way to apply. This is my second loan with Latitude and the service is always excellent Australia
5.0 My top loan was a very straight forward procedure on the computer which makes it a bit easier to obtain financial help when times are difficult Australia
5.0 Loan application was quick & easy. Australia
5.0 Easy, and truthly a great organization to deal with.....5 stars Harmoney... Australia
5.0 Without doubt Harmoney is exceptional.
Easy user friendly process and loan approved in 10 minutes
Recommend Harmoney above major banks for personal loans done in the convenience of your on home
5.0 This is the 2nd time I am applying & I was hundred percent satisfied with the service rendered by Harmoney & would highly recommend it to anyone. They are even much better than banks. Australia
5.0 Great rate, easy application, quick approval, and the approval was for the amount they would lend me, not what I asked for. I had forgotten something I wanted to get done and didn’t include In the loan amount, and thought I had missed out. But now I can do it to because I increased the amount once I got the loan offer. Too easy. Australia
5.0 Top up loan. Easy and I’ve been a customer for a couple of years already Australia
5.0 I found Harmoney to be very helpful and very quick Australia
5.0 Harmoney have always been very straight forward and easy to deal with Australia
5.0 Amazing customer Service!

best place to go for a quick loan
5.0 Easy, simple and convenient. I really enjoy using Harmoney. It gives me options to choose where I want my money to go. Australia
5.0 Have been shopping through Harmoney for a few years and by far has the best experience I’ve had, no comparison Australia
5.0 Have been shopping through Harmoney for a few years and by far has the best experience I’ve had, no comparison Australia
5.0 I have found Harmony to be fair and honest with every step of the loan process Australia
5.0 I am SO impressed and blessed that I selected Harmoney for the loan. The support administration and accessibility are exceptional along with that personable NZ element that shines through the phone-calls and emails.
This recent proactive support to slightly reduce the interest rate is well appreciated. The only downside of Harmoney is the level of high current interest rate that would put me off borrowing again as I think I had a reasonable income report to provide a lower rate.
Anyway I really appreciate rate great service; your staff are exceptional. Martin
5.0 Brilliant service from harmoney, happy customer from a harmonious company thank you Australia
5.0 The online service and any phone services I’ve had with Harmony have always been excellent Australia
5.0 Great company to deal with. Easy and quick finance.
Thank You
5.0 Always excellent would recommend harmoney to everyone. Australia
5.0 Thanks for the expediency of this top up loan application. Australia
5.0 Excellent. Glad I can pay my loan off early if need to Australia
5.0 hassle free and faster then expected ,i would recomend harmony to everyone thank you Australia
5.0 Thank you Harmoney excellent customer service and easy application. Australia
5.0 Thank you to the staff at Harmoney for the opportunity to consolidate my debts. Yours is a wonderful & courteous service that you provide. You treat people with compassion & understanding without judgement. I will repay you my gratitude with early repayments when possible. Australia
5.0 Easy transaction
Easy website to use, very accomodating.
No stress
I've been with Harmoney for 6 mths and the experience has been awesome. I just topped, and again the experience was awesome
5.0 Fantastic its great to be able to have all loans into one smaller interest rate. Australia
5.0 Thanks harmony you saved the day Australia
5.0 Thank you for the quick loan process Australia
5.0 Harmoney has been amazing to use, reliable with a straightforward, no fuss application process and funds transferred quickly upon approval. Australia
5.0 Other than issues finding my biller details to have the loan funded for debt consolidation, it was really easy and straightforward. Australia
5.0 Second time I've used Harmoney and I must say, I've found the whole process very painless, quick and easy. The interest rate are far lower than any credit card and you have the option to pay back early if possible. I would recommend Harmoney to others. Australia
5.0 Easy to apply and good communication from Harmoney. Australia
5.0 The Staff at Harmoney, are professional and very helpful in every way. i would recommend them to every one Australia
5.0 Easy application process, seamless. Have dealt with Harmoney more than once and haven't disappointed yet. Pretty much do what they say, no tricks Australia
5.0 Excellent service, easy and fast application. Best loan provider I have used! Australia
5.0 Found the loan application to be very simple. Well put together easy to follow instructions. Australia
5.0 Harmoney have been fantastic to deal with, solid communication, streamlined process.
Would not hesitate in recommending Harmoney to anyone looking to consolidate finances or take out a personal loan.
5.0 Thank you, your systems are in place to help customers shop at your site for loans etc. But I was expecting a bit lower rate specially during this situation. Australia
5.0 Harmoney is simply the best, thank you Australia
5.0 Fastest loan application ever Australia
5.0 Once again easy and quick. Thanks Harmony Australia
5.0 I like the ease of dealing with Harmony Australia
5.0 I'm really impressed of how quick the processing of my loan application is . It was hassle-free & the staffs are very supportive all throughout the process, very helpful of all my queries. Thanks heaps Harmoney! Australia
5.0 You have made what i find a hard personal problem easy to deal with ie obtaining a loan without being made to feel like a failiure .Thankyou Australia
5.0 Very easy no hassels and quick response thanks Harmoney. Australia

We're real people and here if you need us

If you need help, just give us a call on 1300 042 766 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

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