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Loan Personal Loan Australia


Low rate unsecured personal loan

Looking for the lowest interest rate personal loan based on your credit history?

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

Get an unsecured personal loan from 5.35% p.a. - apply now to find out your rate - there is no obligation to accept

What we offer

We offer low interest unsecured loans with personalised rates and a fixed repayment term of up to 5 years. You can use the money for debt consolidation, home improvement, medical bills, or other purposes.

$2K — $70K

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 I am very grateful to you for approving my loan as my own bank would not give me anything, cheers. australia
5.0 This experience has been a pleasure. The rate is a little high but for unsecured loan it’s reasonable. I’m so pleased with this experience and quick response australia
5.0 It has been a very easy process. The terms of the loan are very easy to follow australia
5.0 Harmoney has provided the most stress-free and informative loan facts, statistics and data I have ever interacted with. I would definitely recommend Harmoney :) australia
5.0 Quick and easy to understand, very quick reply from Harmony Team australia
5.0 The best experience I've ever gad with a loan company. So simple and easy. You guys are a life saver. australia
5.0 The Loan process australia
5.0 Fantastic, website portal was user friendly and was a added bonus that harmony could access my bank statements and work out my expenses.
Not stressful at all.
5.0 Harmoney got information of my assets, liabilities, my historical financial stability in addition to taking into consideration a short term financial situation. In comparison to other lenders that take a quick financial snap shot which isn’t an accurate reflection of long term financial behaviours. australia
5.0 Great experience with harmoney will definitely recommend it to others australia
5.0 I've used Harmoney in the past and have been very pleased with how fast and easy it is to apply online australia
5.0 So Far Dealing with Harmoney has been a good experience australia
5.0 Hassle free consolidation loan. Thanks to the Harmoney team. australia
5.0 Harmoney have been very helpful. I will be using them in the future. australia
5.0 Loans based on customer repayment history as opposed to the big banks that seem to overcomplicate everything. Extremely competitive rate! australia
5.0 I went through now finance first and they were horrible so ended it and you guys have been a dream australia
5.0 Harmony is so easy to deal with. australia
5.0 Very simple process! Thank you Harmoney. australia
5.0 The ease of applying for the loan and relief knowing I can consolidate all my debts into one easy payment australia
5.0 Loan interest dropped down 2 % on my top up loan. Easy to apply when in need. australia
5.0 Very good never have any problems with harmony they are great.. WA, Australia
5.0 Harmoney went above and beyond to ensure my loan was approved australia
5.0 Great service and very friendly people when you ring for advice.
Would recommend Harmoney to friends.
Thank you
5.0 Application of loan was quick and easy australia
5.0 Easy process and quick results. Thank you Harmony Team. australia
5.0 Harmony makes this process so simple
Could not be happier
5.0 Fast and efficient and no drama from start to finish. Appreciate you helping me getting my finances in order ready to start 2022 with one simple repayment. Thanks. australia
5.0 Harmoney loan process from start to finish was seamless and clear. Very quick, online app is easy to manage. australia
5.0 I tried to do this with my own bank. Seriously useless…. And it’s paying off their overdraft. You make it easy as. My second loan with you and I couldn’t be happier with how it works. Well done on a great system. australia
5.0 There were a few delays with the system problems but I’m more than happy to stick with Harmoney australia
5.0 Fantastic service! Harmoney has never let us down and so quick and easy to deal with. australia
5.0 Very helpful and fast loan approval australia
5.0 No stress and one of the best in class service I have used so far. This is my second loan of 50grant. Both loan applications done online and approved in minutes. Who can do better than Harmony - I need to convinced is there is anyone else! Well done guys - yove won a lifetime customer! Thanks alot. australia
5.0 It.was easy to apply and get the loan approved. It was hassle free.team is helpful. I appreciate and i recommend people going through hardship and need money Asap australia
5.0 Harmony loan are the best and easy to apply australia
5.0 Harmoney are always fast and easy to deal with australia
5.0 I found the ease of consolidation through gaining my credit score and interest rate in relation to that score an insightful and stress free experience with harmony , I feel they have helped myself into a posityof financial security. australia
5.0 Harmoney has helped me where others wouldnt because I have no credit history. I would highly recommend Harmoney to anyone. australia
5.0 Harmoney was very easy to deal with the the application process very straight forward australia
5.0 Applied for a loan to consolidate got approved very quickly . Good service australia
5.0 Simple, clear and efficient loan application australia
5.0 Quick and effective will definitely use Harmony in future australia
5.0 The loan process was very easy to follow and when I needed help it was always there for me. australia
5.0 Harmoney is the best product for all loan types. Seamless, fficient, fast service. Your service is way better, if not the best among others. The customer service is just amazing. I thought I would never find a perfect institution like yours but I just did! Thank you so much. All the best to you all! australia
5.0 Everything is so quick and easy with Harmoney ! The comms are great too. Staff are knowledgeable and lovely to speak too as well. australia
5.0 Quick and easy. That is my kind of loan application! australia
5.0 It's easy and fast to complete the loan application. australia
5.0 Easy, quick, pain free and an overall great experience with Harmoney. Thank you australia
5.0 Everyone has been real helpful on my loan application 110% for service australia
5.0 Easy & quick no hassles - I think thats why ur called Harmoney! australia
5.0 I just love Harmoney. Never a hassle. Friendly staff. Super helpful. Thank you for being amazing in every area. australia
5.0 Brilliant service from the team at Harmoney. The whole process from start to finish was stress free. Definitely will be recommending their services to family and friends. I look forward to engaging with them in the future.. australia
5.0 Quick and easy loan super helpful australia
5.0 Applying for my loan for urgent medical purposes was extremely easy australia
5.0 This is going to change my life. Thank you Harmoney australia
5.0 Super quick, easy process! Loan approved within 3 hours business time! Super happy australia
5.0 This was the fastest and simplest loan I’ve ever had. We’ll done australia
5.0 Its unreal, i cant believed how fast and efficient the service, i was hesitant at first as i hate the hassles of applying in the banks but Harmoney is great. Definitely will stay with u from now on. Thank you australia
5.0 Hi it was very good service and quick to get a loan from harmony australia
5.0 Amazing, so quick, so easy! Great to deal with, thank you Harmoney. australia
5.0 Quick and easy transaction thank you harmoney australia
5.0 Amazing service. First time I applied for a loan and everything went perfect. australia
5.0 Thank you so much for Harmoney for quick loan approved without any hassle, I appreciated your argent support and fast professional service, I personally recommend others whom need argent support, australia
5.0 Love Harmoney. So easy and reliable australia
5.0 It has been a pleasure to deal with Harmoney have they make it very easy and stress free to obtain the loan I am looking for
Thanks heaps Harmoney and I look forward to being with you for years to come
5.0 As long as the money is received in my account, as I have only done the approval, I am more than happy with Harmoney australia
5.0 Harmoney is the best and easiest way to get a small loan when you need it. Thank you australia
5.0 It's was the easiest and fastest loan I've ever had, truly this is the future and the future is now :) australia
5.0 Very quick and easy process to get a loan. Thank you australia
5.0 First of all, Thankyou so much for helping me out with the personal loan australia
5.0 Second time I’ve used Harmoney. It’s an amazing service australia
5.0 Brilliant loan company !! australia
5.0 Thank you again Harmoney australia
5.0 Absolutely brilliant, can't thank Harmoney enough australia
5.0 Harmoney, my heartfelt thanks for approving my top-up loan to help consolidate my debts. My financial hardship throughout the pandemic will become a little easier due to your compassionate response to my application. I will definitely recommend your services to family & friends if the situation arises. australia
5.0 Never has it been easier for me to get a loan until I came across these guys would recommend to other people australia
5.0 I found my loan application very easy and super fast great work guys will highly recommend use australia
5.0 Excellent communication and fast process . Thanks Harmony australia
5.0 Harmoney have been so easy to deal with. Thanks australia
5.0 The Harmoney Team are very prompt communicators and streamline it all to obtain a result, very happy with the expert help, Rgds Richard australia
5.0 Thank you very much harmoney.i im very satisfied to your service. , australia
5.0 Can not fault harmoney perfect customer service and experience australia
5.0 Make it so easy and always make life easy for me. I love you making my loan payments easier australia
5.0 I have found Harmoney easy to deal with and I am very happy with the service australia
5.0 Great Service, very help staff , highly recommend Harmony for any business owner. australia
5.0 it was just so easy and fast. i applaud you at Harmony for making this experience so easy and painless australia
5.0 no this is the second time we have used harmony and we are always very happy with the service. australia
5.0 Absolutely great , efficient and very fast approval. Tysm harmony. australia
5.0 Harmoney is so easy to apply and you deside on when it comes out weekly tonight month I l i k's that thanks for helping me out again in time of need.. australia
5.0 I am so thankful to Harmoney youse are awesome thnx australia
5.0 Great experience so far when applying for my loan. australia
5.0 I could not recommend Harmoney enough! Staff are very helpful and great customer service, great communication. Very easy process to complete loan application. I can’t fault at all. 10/10 australia
5.0 Has been very good dealing with harmoney australia
5.0 Harmoney are the best, i will recommend it to everyone whos struggling out there, they gave me a chance when no ones will,

From the bottom of my heart, I thank you to all Harmoney Staff
5.0 Harmoney has been a great help to me in achieving my goals, they are very professional and helpful with clear and fair terms and great products. Many thanks to the harmoney team. australia
5.0 Absolutely amazing experience overall! The end to end loan application and approval process was seamless and super quick! australia
5.0 Quick response, and very easy to use. Very pleased with Harmoney. australia
5.0 Thank you for helping me. My experience with your loan company has been great and much appreciated. australia
5.0 Possibly the easiest experience I've ever lived, Thanks Harmony. 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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