PERSONAL LOANS
Start almost anything. Borrow up to $70,000 unsecured.
Won't affect your credit score
Our latest awards
How can we help?
Or select another loan purpose
How to apply online
1. Get to know you
Tell us about the personal loan you want, then provide us with some details about yourself and your finances.
2. Get your quote
We’ll give you a detailed quote with your interest rate, borrowing limit and repayments.
3. Get your money
After accepting the terms and providing some final details, most people receive 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.
A fair and simple personal loan
If access to money is holding you back, we’re here to help.
SIMPLIFIED BORROWING
Our 100% online process makes it easy to apply for a loan anytime, anywhere. Our interest rates and fees are simple to understand, so you won’t have any surprises.
PERSONALISED RATES
Get a fair interest rate that’s personalised to you. Everybody’s needs are different, which is why you’ll get a rate based on your circumstances – not everyone else’s.
MORE THAN A LOAN
Behind the scenes is a friendly and dedicated team ready to answer your questions and help you finance your goals with an online loan.
What our customers say
Very happy with the service and the quick no fuss application process
Love you’s
Kindest regards
Justin Ropiha australia
Good customer service too. Harmoney is recommended. australia
Quick personal loan estimate
Get a quick estimate of the rates and repayments on your personal loan with our online loan calculator.
Need it done? We can help
Below are our most popular loans but we offer loans for almost any loan purpose.
CAR LOANS
Do you need a new (or used) car, truck or other vehicle? A car loan can give you the cash you need to avoid dealership finance.
EDUCATION COSTS
Borrow the money you need for university or college fees, books, accommodation and other education expenses.
DEBT CONSOLIDATION
A debt consolidation loan can replace your old debts with a single repayment designed for your personal circumstances.
HOLIDAY LOANS
If you don’t want to wait for your next getaway, a holiday loan can cover flights, hotels and other costs so you don’t have to delay.
BUSINESS LOANS
Whether you’re starting a business, expanding or just need some extra finance, Harmoney small business loans are tailored to your needs.
MEDICAL LOANS
We’re here to help if you need money urgently for medical bills, treatments or other healthcare costs.
RENOVATION LOANS
From repairs to landscaping and swimming pools, we’ll help you to fix up or extend your home with a renovation loan.
WEDDING LOANS
You won’t need to worry about costs on the big day when you take out a wedding loan and pay it all back later.
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.
