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PERSONAL LOANS

Start almost anything. Borrow up to $100,000 unsecured.

Won't affect your credit score

Apply now

Our latest awards
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Best Excellent Credit Personal Loan 8
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How to apply online

1. Get to know you

Tell us about the personal loan you want, then provide us with some details about yourself and your finances.

2. Get your quote

We’ll give you a detailed quote with your interest rate, borrowing limit and repayments.

3. Get your money

After accepting the terms and providing some final details, most people receive their money within 24 hours.

What we offer

$2K - $100K

Loan limits
3, 5 or 7 years

Loan terms
$275-$575

Establishment fee
$0

Early repayment fee
  • You can get a 3, 5 or 7 year loan term¹
  • Fixed rates from 5.76%² (comparison rate 6.55%³)
  • Your rate is fixed for the life of the loan
  • $0 monthly account keeping or early repayment term
  • You can repay weekly, fortnightly or monthly

Find out more about our rates and fees

A fair and simple personal loan

If access to money is holding you back, we’re here to help.

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SIMPLIFIED BORROWING

Our 100% online process makes it easy to apply for a loan anytime, anywhere. Our interest rates and fees are simple to understand, so you won’t have any surprises.

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PERSONALISED RATES

Get a fair interest rate that’s personalised to you. Everybody’s needs are different, which is why you’ll get a rate based on your circumstances – not everyone else’s.

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MORE THAN A LOAN

Behind the scenes is a friendly and dedicated team ready to answer your questions and help you finance your goals with an online loan.

What our customers say

5.0 Its great. Reasonable fees and 7 year loans are all good australia
5.0 The team at harmoney are very accomplished in helping you get through the loan process with fast approval would definitely recommend Harmoney to my friends and family. australia
5.0 My third loan with Harmoney. Super easy application with no fuss australia
5.0 I've applied with harmoney before plus topped up.loan it's always fast and easy australia
5.0 Such an easy process and Harmoney have the best customer service team. australia
5.0 Excellent customer service with fastest loan approval. Highly recommended. australia
5.0 Harmoney make the application process so easy and I have had several loans with them over the years and they have always been great to deal with australia
5.0 I find Harmoney extremely easy to use and deal with. australia
5.0 I am so happy and very thankful to Harmoney
A very easy and stress free process
Easy prompts to follow
I have had nothing but awesome experiences from Harmoney and I look forward to many more
Thank you so muchTeam Harmoney
australia
5.0 very easy to deal with and amazing customer service highly recommend harmoney australia
5.0 Always great experience dealing with Harmoney australia
5.0 Harmoney is so easy to deal with. australia
5.0 Easy to use and understand. Harmoney provide all the information you need so you can make the right decision. australia
5.0 Customer Service was Excellent. Answered all my questions and followed up to ensure I was aware of the outcome via phone call, text and email. The online app is great too, shows exactly the information one would want to know in relation to the loan. australia
5.0 Easy to deal with and Loans are approved and in bank account within days. australia
Quick personal loan estimate

Get a quick estimate of the rates and repayments on your personal loan with our online loan calculator.

Need it done? We can help

Below are our most popular loans but we offer loans for almost any loan purpose.

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CAR LOANS

Do you need a new (or used) car, truck or other vehicle? A car loan can give you the cash you need to avoid dealership finance.

Find out more

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EDUCATION COSTS

Borrow the money you need for university or college fees, books, accommodation and other education expenses.

Find out more

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DEBT CONSOLIDATION

A debt consolidation loan can replace your old debts with a single repayment designed for your personal circumstances.

Find out more

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HOLIDAY LOANS

If you don’t want to wait for your next getaway, a holiday loan can cover flights, hotels and other costs so you don’t have to delay.

Find out more

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BUSINESS LOANS

Whether you’re starting a business, expanding or just need some extra finance, Harmoney small business loans are tailored to your needs.

Find out more

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MEDICAL LOANS

We’re here to help if you need money urgently for medical bills, treatments or other healthcare costs.

Find out more

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RENOVATION LOANS

From repairs to landscaping and swimming pools, we’ll help you to fix up or extend your home with a renovation loan.

Find out more

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WEDDING LOANS

You won’t need to worry about costs on the big day when you take out a wedding loan and pay it all back later.

Find out more

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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