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Personal loans

Borrow up to $50,000 unsecured

Personalised rates from 6.99%¹
(comparison rate 7.79%

Welcome to Harmoney

We're glad you're here! Credit Savvy and Harmoney are both dedicated to helping you get the personal loan best suited to your needs.⁴

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PERSONALISED RATES

Interest rates are based on your individual credit assessment, not one-size-fits-all.

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GET YOUR MONEY FAST

Most people receive their money within 24 hours of accepting their loan terms.

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100% ONLINE – 24/7

No queues and no need for any awkward face-to-face meetings.

Simple, 100% online

1. Get to know you

Tell us about your loan, then provide us with some details about yourself and your finances.

2. Get your loan offer

We provide your detailed loan terms with your interest rate, borrowing limit and repayments.

3. Get your money

Accept your loan terms and provide some final details. Most people get their money within 24 hours.

What we offer

$2K - $50K

Loan limits
3 or 5 years

Loan terms
$275 or $575

Establishment fee
$0

Early repayment fee
  • All loans are unsecured
  • Rates from 6.99% - 25.69% p.a.¹ (comparison rate 7.79% - 26.65% p.a.²)
  • Your rate is fixed for the life of the loan
  • You can repay weekly, fortnightly or monthly
  • 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 fees

Find out more about our rates and fees

What our customers say

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 Harmoney service is awesome, easy and I got approval in 5 minutes.
5.0 Awesome speed in getting service from Harmoney. Enjoyed the experience.

Get started with Harmoney today

Thousands of clever Aussies are switching to Harmoney to achieve their dreams.

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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Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 25.69% p.a. (Comparison Rate 7.79% p.a. to 26.65% p.a.) and are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.

2. Comparison rate of 7.79% p.a.to 26.65% p.a.is based on an unsecured personal loan of $50,000 over 5 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs, fees, government charges like stamp duty, and cost savings are not included in the comparison rate but may influence the cost of the loan.

3. Establishment fee of $275 for loans up to $5,000 and $575 for loans $5,000 and over. Fixed rates range from 6.99% p.a. (Comparison Rate 7.79% p.a.) to 25.69%(Comparison Rate 26.65% p.a.) on 36 to 60 month terms, with no early repayment penalties.

4. Credit Savvy is a promoter of Harmoney Personal Loans, Harmoney is the provider. Credit Savvy is a trademark of CBA New Digital Businesses Pty Ltd, a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124.