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Personal loans

Personal loans to start almost anything.

Personalised rates from 5.76%¹
(comparison rate 6.55%

Apply now

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Winner - Excellent Credit Personal Loan 2018
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Welcome to Harmoney

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

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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
  • You can get a 3, 5 or 7 year loan term¹
  • Secured fixed rates from 5.66%* to 20.07% (comparison rate 6.45%)
  • Unsecured fixed rates from 5.76%² to 24.03% (comparison rate 6.55%³)
  • Your rate is fixed for the life of the loan
  • Establishment fee of $275 for loans under $5,000 ⁴
  • Establishment fee of $575 for loans $5,000and over ⁴
  • No monthly account keeping or early repayment fees
  • You can repay weekly, fortnightly or monthly

Find out more about our rates and fees

*If you take out a secured loan and don’t meet the security conditions within 60 days of the loan advance, the loan will revert to unsecured and the interest rate will change to a higher unsecured interest rate.


What our customers say

5.0 So far so good australia
5.0 Easy and quick australia
5.0 Always easy to deal with. australia
5.0 They process was smooth. Helpful staff. australia
5.0 fast and convenient australia
5.0 Helpful, informative, quick and easy. australia
5.0 Always easy process without initially affecting your credit rating australia
5.0 Quick and easy australia
5.0 Excellent australia
5.0 Quick and easy processing which values existing customers australia
5.0 I love Harmoney. You have helped me at every stage of my life. Thank you australia
5.0 Good australia
5.0 Very easy and thorough process australia
5.0 Great easy application australia
5.0 Easy and quick experience 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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