Personal loans
Borrow up to $50,000 unsecured
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 helping you get the personal loan best suited to your needs.⁴
PERSONALISED RATES
Interest rates are based on your individual credit assessment, not one-size-fits-all.
GET YOUR MONEY FAST
Most people receive their money within 24 hours of accepting their loan terms.
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
What our customers say
5.0 2021-06-16 Anonymous Customer Brilliant to deal with Australia
5.0 2021-06-16 Craig imber Australia
5.0 2021-06-16 Ken Power great Australia
5.0 2021-06-16 Anonymous Customer Australia
5.0 2021-06-16 Artemio Jr Bulan Australia
5.0 2021-06-16 Katie Australia
5.0 2021-06-16 Jovelyn Very quick and easy to use. Australia
5.0 2021-06-16 Julieann Lancaster Very fast and easy to use Australia
5.0 2021-06-15 Abbey Its been good! Australia
5.0 2021-06-15 Andrea Bond Australia
5.0 2021-06-15 Anonymous Customer Australia
5.0 2021-06-15 DAWN GRIFFIN The easiest process I have ever experienced Australia
5.0 2021-06-15 Jason Priestley Quick and easy Australia
5.0 2021-06-15 Joel Geysen Australia
5.0 2021-06-15 Rebecca Was easy to apply online thank you Australia
5.0 2021-06-15 Robert Cameron Great service Australia
5.0 2021-06-15 Susan 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 2021-06-15 Temukisa Awesome service Australia
5.0 2021-06-15 Van Australia
5.0 2021-06-15 Anonymous Customer Australia
5.0 2021-06-15 Anonymous Customer Australia
4.0 2021-06-15 Antony Tozer Australia
5.0 2021-06-15 David Sim Australia
5.0 2021-06-15 Matthew Stedman 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
5.0 2021-06-15 Michael spelling Australia
5.0 2021-06-15 Mitchell Cooper Australia
5.0 2021-06-15 peter whitelegge service is excellent Australia
5.0 2021-06-15 Scott Jennings QUICK AND EASY TO NAVIGATE Australia
5.0 2021-06-15 Simone Australia
5.0 2021-06-15 Tracey Thanks for your help Australia
4.0 2021-06-15 wasim umar Australia
5.0 2021-06-14 Dudley Australia
5.0 2021-06-14 Herman nieman Fast,efficient and friendly Australia
5.0 2021-06-14 Kai Very good Australia
4.0 2021-06-14 Louise Australia
5.0 2021-06-14 Megan Such a hassle-free way to borrow Australia
4.0 2021-06-14 Wayne Milligan Excellent and quick service shall recommend to others Australia
5.0 2021-06-14 Adam Asher Very simple and fast for both application and approval. Australia
5.0 2021-06-14 Dean Gray Australia
5.0 2021-06-14 Edah Anyango Australia
5.0 2021-06-14 Lara Webber The customer service team has been fantastic with helping me get everything sorted! Very quick and easy application process Australia
5.0 2021-06-14 Anonymous Customer Very happy Australia
5.0 2021-06-14 Jasmine Anne Wilson Good Australia
5.0 2021-06-14 Anonymous Customer Easy and succinct. Some worrying language in the contract though. Australia
5.0 2021-06-14 Cheryl Mulford 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 2021-06-14 Egon Teuber Easy to follow instructions great Customer Service Australia
5.0 2021-06-13 Ali Best service out there! Australia
5.0 2021-06-13 Brock Pickthorne Australia
5.0 2021-06-13 Dean Incredible assistance friendly team good people Australia
5.0 2021-06-13 Samantha Pernitsch So easy to
Apply and use the website. Australia
Apply and use the website. Australia
5.0 2021-06-13 Suphiga Assad I like online shopping Australia
5.0 2021-06-12 Belinda Stirling Australia
5.0 2021-06-12 Paul Australia
5.0 2021-06-11 Anonymous Customer Australia
4.0 2021-06-11 Paul Hendrych Australia
5.0 2021-06-11 Anonymous Customer Australia
4.0 2021-06-11 Daniel Australia
5.0 2021-06-11 Dawson 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 2021-06-11 Jane Janev Good service Australia
5.0 2021-06-10 Anonymous Customer Fast easy process, people there to help via live chat or email through the entire process great help, thank you! Australia
5.0 2021-06-10 Shane Richard Ford very easy to deal with. Very easy process. Australia
5.0 2021-06-10 Stephen Makoare You have been very helpful and I am very grateful. Thank you. Stephen Australia
5.0 2021-06-10 Anonymous Customer Australia
5.0 2021-06-10 Anonymous Customer Australia
5.0 2021-06-10 mimma italiano Australia
5.0 2021-06-10 Shauna McEldrew Amazing Australia
5.0 2021-06-10 Stephen Shea Australia
5.0 2021-06-10 Andre Thammavong super easy to apply could not be more happier Australia
5.0 2021-06-10 Anonymous Customer Good quick experience Australia
5.0 2021-06-10 Darren Very good Australia
5.0 2021-06-10 Dianne Quevauvilliers A really good service Australia
5.0 2021-06-10 Emanuel NoelCallus Australia
4.0 2021-06-10 Maddison Australia
5.0 2021-06-10 Megan Mclachlan Australia
5.0 2021-06-10 Melinda Simmons Harmony was a very easy process. Thank you very much for the fantastic service. Australia
5.0 2021-06-10 Toby Quick and easy process. Australia
5.0 2021-06-09 Anonymous Customer Fast and easy to work with Australia
5.0 2021-06-09 Damon McGillivray Australia
5.0 2021-06-09 DoraLee Tapara Australia
5.0 2021-06-09 Lara Australia
5.0 2021-06-09 Michael Goddard Australia
5.0 2021-06-09 Nautilia Caltabiano So quick and easy! Australia
4.0 2021-06-09 Abubaker Jacobs Australia
5.0 2021-06-09 Jake Australia
5.0 2021-06-08 Anonymous Customer It was quick and easy Australia
4.0 2021-06-08 Antony Tozer Australia
5.0 2021-06-08 Brody Australia
5.0 2021-06-08 Daniel Australia
5.0 2021-06-08 Gav Lampe Fantastic service
Quick and easy, no fuss
All online, no wait times Australia
Quick and easy, no fuss
All online, no wait times Australia
4.0 2021-06-08 John keanelly Easy setup. Australia
5.0 2021-06-08 Lea Cramer Easy to follow steps Australia
4.0 2021-06-08 Prajwal Pradhan great Australia
4.0 2021-06-08 Todd Daniels Great & Easy way to get a loan when you need it. Australia
4.0 2021-06-07 Adam Lindsay Australia
5.0 2021-06-07 Adam patching Australia
5.0 2021-06-07 andrew Thank you Australia
5.0 2021-06-07 Anonymous Customer Good Australia
5.0 2021-06-07 Anonymous Customer Australia
5.0 2021-06-07 Euan Grant Droog Very easy process and everything explained Australia
5.0 2021-06-07 Geoff h 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.
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.