Our latest awards
Benefits of a loan from Harmoney
We’re here to help - from the big things to the little things. To help you make a start, or start over.
|Loan amount||$2,000 - $70,000|
|Interest rate||from 5.35% 1|
|Comparison rate||from 6.14% 2|
|Early repayment fee||$0|
|Loan terms||3, 5 or 7 years|
|Average turnaround||Less than 24 hours|
|Establishment fee||$275 - $575 3|
|Repayment frequency||Weekly, fortnightly, or monthly|
How customers rate us
What our customers say
My experience with Harmoney was one I have never experienced before. My application processing went through very smooth and having friendly representative's available at the press of a button made the experience of applying for finance even more enjoyable. They were very patient as I probably called them about five times for their assistance throughout the application process. My application was submitted and processed with 30 - 45 minutes and I received approval pretty much immediately & funds were in my bank by mid-night within twelve hours of approval. I am so happy that I can have the flexibility of managing the funds that I have to pay back whilst completing my home renovations and not have to worry about the Big Banks managing my funds as they see fit. No more Big Banking Loans for Me, it's Harmoney all the way. Whilst I budget my payments and repay a little more when I can. I'd have to say I'll be ahead in life in no time. Ps. the best thing is that I did not need to usLast Year by Christine M.
The process was very easy and fast. I did not know how much i needed to borrow as the car i wanted was purchased, so i had to look for another. By having my application approved i can now have a car i wished for. Thank you harmonyThree Months Ago by Lawrence K.
The process and loan terms have been straightforward and easy. It took a couple of days for my loan to be funded but the Harmoney staff were easy to contact during this stage to reassure me that the loan would be funded. I'm grateful that lenders like this exist for people who need funds for things that traditional lenders would say no to. Thanks Harmoney!Four Years Ago by Linde A.
Thank you so much for the loan. The process is fantastic. Especially for the fact that you are able to read my bank statement and see the incomes coming in from 2 regular sources. I haven’t experienced this before. It has been the best loan application I have ever done. I’m looking forward to paying it off so if the need arises I can use Harmoney again. Thank you so much.Four Years Ago by Jason B.
So far the process for the loan has been fairly simple with less than an hour spent so far filling in documentation online. Hopefully it will be the same experience as I progress to the next stage to get the loan. All good so far!!! Following the completion of the documentation, which involved in putting my personal details, Medibank details, Driving License and uploading a copy of my bank statement and specifying the amount I would like to borrow, I received confirmation the next morning that the loan had been approved. Three days later the funds had been received. It was that quick and that simple. The rate I got was also very reasonable. I honestly can not fault this service. It was quick, painless and easy. I was informed all the way and their online account is really easy to navigate and use. I will be using them again and I will be recommending them in the future. Really please customerFive Years Ago by Mark
Harmoney has been a godsend and soo easy to operate and deal with. You guys can never truly know how much I appreciate all your help!!!!Three Years Ago by Roslyn S.
Very impressed with how quick and easy the process was. Applied on Monday afternoon, had a prompt response and funds in my account by Wednesday morning. Much better than long wait times with other banks!Eleven Months Ago by Jacqueline
Eleven Months Ago by Miki M.
Extremely helpful through the entire process. The friendliest (simplistic) easiest application process with superior efficiency. Hands down better than the conventional bank precesses and applications which just want a loan amount and either accepts or rejects. Harmony gives you a maximum amount to which you can taylor to your needs and requirements. They give you a chance.Three Months Ago by Johan
I'd recommend anyone who needs to borrow money go and check out Harmoney. The process is so simple and easy, the staff are only ever a phone call away and always help with whatever you need. Harmoney is easily a 10 out of 10.Three Months Ago by Connie S.
Fast and efficient. Very easy process. Could not believe how easy it was and how quickly I got through.Four Months Ago by Mario C.
We’re real people, and we’re here to help
Give us a call on 1300 042 766 and one of any of our 30+ specialists can help!