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Personal loans

Personal loans to start almost anything.

Personalised rates from 5.35%¹
(comparison rate 6.14%)²

Welcome to Harmoney

We're glad you're here! Credit Savvy and Harmoney are both dedicated to get you started with a personal loan that's 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 - $70K
Loan limits
3, 5 or 7 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

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4.8/5

4.7 overall rating
4.8 overall rating

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.