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Personal loans

Borrow up to $50,000 unsecured

Personalised rates from 5.35%¹
(comparison rate 6.14%

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 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 $5,000and over ³
  • No monthly account keeping or early repayment fees
  • You can repay weekly, fortnightly or monthly

Find out more about our rates and fees

What our customers say

5.0 Brilliant to deal with Australia
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5.0 Very quick and easy to use. Australia
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5.0 Its been good! Australia
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5.0 The easiest process I have ever experienced Australia
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5.0 Was easy to apply online thank you Australia
5.0 Great service Australia
5.0 Fastest, easiest application I've ever done. It is great having online chat feature available for any questions and to fix any problems with application. Thank you for your service, I'm finally on my way to financial freedom! Australia
5.0 Awesome service Australia
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4.0 Australia
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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
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5.0 Thanks for your help Australia
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5.0 Very good Australia
4.0 Australia
5.0 Such a hassle-free way to borrow Australia
4.0 Excellent and quick service shall recommend to others Australia
5.0 Very simple and fast for both application and approval. Australia
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5.0 The customer service team has been fantastic with helping me get everything sorted! Very quick and easy application process Australia
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5.0 Good Australia
5.0 Easy and succinct. Some worrying language in the contract though. 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 Easy to follow instructions great Customer Service Australia
5.0 Best service out there! Australia
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5.0 Incredible assistance friendly team good people Australia
5.0 So easy to
Apply and use the website.
Australia
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4.0 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 Good service Australia
5.0 Fast easy process, people there to help via live chat or email through the entire process great help, thank you! Australia
5.0 very easy to deal with. Very easy process. Australia
5.0 You have been very helpful and I am very grateful. Thank you. Stephen Australia
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5.0 Harmony was a very easy process. Thank you very much for the fantastic service. Australia
5.0 Quick and easy process. Australia
5.0 Fast and easy to work with Australia
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5.0 So quick and easy! Australia
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5.0 Fantastic service
Quick and easy, no fuss
All online, no wait times
Australia
4.0 Easy setup. Australia
5.0 Easy to follow steps Australia
4.0 great Australia
4.0 Great & Easy way to get a loan when you need it. Australia
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5.0 Thank you Australia
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5.0 Very easy process and everything explained Australia
5.0 such a quick and simple process. Do this it's so good. Australia

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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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.