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Savings

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! Savings.com.au 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.

Personal loan calculator

Get a quick estimate of what your repayments might be using Harmoney's personal loan calculator.

Disclaimer: This calculator provides an estimate only, and a comparison rate, based on the example information provided. Other fees, costs, government charges like stamp duty, and cost savings are not included in the comparison rate but may influence the cost of the loan. Limits, rates, fees, and repayments may differ on application, based on a borrower’s individual credit assessment — see Interest rates and fees for details. This is not an offer, and applications are subject to terms and conditions, approval and funding.

What our customers say

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Kudos to the techs behind it all!
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5.0 Didn't expect for the application to be straightforward and easy. I also appreciate that my application was reviewed by an actual person. australia
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5.0 It has been a pleasure to deal with Harmoney have they make it very easy and stress free to obtain the loan I am looking for
Thanks heaps Harmoney and I look forward to being with you for years to come
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5.0 I found it to be a stress free experience, with little fuss and very easy to follow the application. australia
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5.0 As long as the money is received in my account, as I have only done the approval, I am more than happy with Harmoney australia
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5.0 It's was the easiest and fastest loan I've ever had, truly this is the future and the future is now :) australia
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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

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.

Customer service m wide min v3

Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates range from 5.35% p.a. to 19.09% p.a. (Comparison Rate 6.14% p.a. to 19.99% 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 6.14% p.a.to 19.99% 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 5.35% p.a. (Comparison Rate 6.14% p.a.) to 19.09%(Comparison Rate 19.99% p.a.) on 36 to 60 month terms, with no early repayment penalties.

4. To apply you need to be 18 years or older. Be an Australian citizen, permanent resident or New Zealand citizen living in Australia. Be full-time or permanent part-time employed. Have handy your photo ID documents such as Australian drivers licence and passport. Have a clear credit file with no defaults, judgements or bankruptcies. Require a minimum $2,000 loan.