Interest rates from²

5.76

%
p.a.

Comparison rate³

5.76

%
p.a.

AFR

Harmoney ranks in Top 10
2023 AFR Most Innovative Awards

Winner Award
Rate City
We

Got dreams nudging you - renovate, travel, clear nagging debts? Harmoney turns ideas into reality without branch visits or mountains of forms.

Answer a few simple questions, see your personal rate instantly, and step forward knowing exactly where you stand. When money stress eases, you focus on living - not juggling.

GET A QUOTE

Won't affect your credit score.

Start almost anything

Consolidate your debts

Consolidate your debts

Roll multiple debts into one, with one interest rate and one repayment schedule.

Home renovation

Home renovation

We don’t need tradie quotes for your home improvements loan, so these won't delay you getting your loan.

Buy a new car

Buy a new car

With your finance sorted upfront, you can shop like a cash buyer. Unlike dealership finance, we keep things simple and transparent.

Plan a wedding

Plan a wedding

Make your dream day a reality with a wedding loan.

Grow your career

Grow your career

Take control of your future with an education loan.

Go on a holiday

Go on a holiday

Get your holiday loan approved before you start booking your trip to take advantage of promotions and discounts.

Grow your business

Grow your business

A cashflow loan can keep your business goals in sight.

Start feeling better

Start feeling better

Get help covering all or part of your treatment cost.

Start almost anything

Start almost anything

Over 90,000 people have used a Harmoney online loan to get things done.

Customers (and counting!)

100% online

Our AI-driven quote process is 100% online.

No paperwork, no queues and no need for awkward face-to-face meetings.

Super fast

Simply tell us about yourself and your finances and accept the terms to get funded in minutes

Rates tailored to you

Interest rates are based on your individual credit assessment - not one-size-fits-all.

What we offer

  • Loan amount

    $2,000 - $100,000

  • Interest rate from²

    5.76% - 24.03% p.a.

  • Comparison rate from³

    5.76% - 24.98% p.a.

  • Establishment fee⁴

    $0, $275 or $575

  • Repayment frequency

    Weekly, fortnightly, or monthly

  • Early repayment fee

    $0

  • Loan terms¹

    3, 5 or 7 years

  • Rate type

    Fixed rate

  • Lightning FAST funding

    Typically less than 5 minutes

  • Loan type

    Unsecured/ Secured

Get a quick estimate

Loan Amount

You can apply to borrow $2000 - $100000

Loan Term

Credit history

Your repayment estimate

$0.00

Weekly repayment

Estimate includes establishment fee of $295.00

GET A QUOTE

Won't affect your credit score.

Disclaimer: This calculator provides an estimate only based on the example information provided. Loan term, rates, fees, and repayments may differ on your quote, based on a borrower’s individual credit assessment— see Interest rates and fees for details. This is not an offer, and quotes are subject to terms and conditions, approval and funding availability.

How to apply

01

Get to know you

Tell us about the personal loan you want, then provide us with some details about yourself and your finances.

02

Get your quote

We’ll give you a detailed quote with your interest rate, borrowing limit and repayments.

03

Get your money

After accepting the terms and providing some final details, most people receive their money in less than 5 minutes after loan acceptance.

GET A QUOTE

Won't affect your credit score.

Lightning FAST ⚡

Instant quotes, zero paperwork

Our AI-driven quote process is 100% online and paperwork-free. Get answers in seconds, so you can keep moving forward.

$2,000 to $100,000

Our unique AI will assess your needs and finances to offer you an affordable personal loan that suits your lifestyle.

Personalised for you in a flash

Our smart technology tailors your quote instantly – just answer a few questions, and let AI do the rest.

Lightning fast approvals

Get a quick quote in minutes and in most cases loans are funded in less than 5 minutes. It’s that easy!

Frequently asked questions

How much can I borrow with a Harmoney personal loan?
You can apply for any amount between $2,000 and $100,000 - all unsecured - so whether you need a modest boost or a major purchase you’ll see a single personalised offer within that range.
What repayment terms can I choose?
Harmoney offers fixed terms of 3, 5 or 7 years. Locking the term means your repayment amount never changes, making budgeting straightforward.
How are interest rates set?
Rates are risk‑based: the stronger your credit and overall financial profile, the lower the rate you’re offered. This approach is designed to be fairer than one‑size‑fits‑all pricing.
What fees will I pay?
A single establishment fee applies - $275 for loans under $5,000 and $575 for $5,000+, added to the loan balance. There are no monthly account‑keeping fees and no early‑repayment fees.
How fast will I receive the money?
Once you’ve e‑signed your contract and any verification is complete, funds usually land in your bank account within 24 hours (often sooner).
How do I apply for a Harmoney personal loan?

Step 1: Create a secure account.

Step 2: Complete the online form with ID and income details.

Step 3: Receive and review your personalised quote (a soft enquiry that won’t affect your credit score).

Step 4: Accept the terms electronically.

Step 5: Funds are transferred, typically next business day.

Does getting a quote impact my credit file?
No. Harmoney’s quote is a soft enquiry, so comparison shopping won’t leave a footprint on your credit report.
Can I repay my loan early?
Absolutely. There are zero penalties for paying extra or clearing the balance ahead of schedule—doing so can reduce the total interest you pay.
What purposes are allowed for a personal loan?
Common uses include debt consolidation, home improvements, car purchases, holidays, medical or education costs - essentially any reasonable personal purpose.
Am I eligible to apply?
You’ll need to be 18+, a permanent Australian resident or citizen, have regular verifiable income and a valid photo ID. Meeting these basics lets Harmoney assess affordability.
How are repayments collected?
Repayments are direct‑debited weekly, fortnightly or monthly (your choice). You can change the frequency later via your account dashboard.
What is a comparison rate and why is it higher than the interest rate?
The comparison rate blends the advertised interest rate with mandatory fees (like the establishment fee) to show the true cost of borrowing in one percentage figure, helping you compare lenders apples‑to‑apples.
How to Calculate Repayments

Use query parameters: ?amount=[2000-100000]&term=[3|5|7]&frequency=[weekly|fortnightly|monthly]&credit=[excellent|good|average|fair|poor]

For example:

* https://www.harmoney.com.au/personal-loan?amount=5000&term=5&frequency=fortnightly

* https://www.harmoney.com.au/personal-loan?amount=1000&term=3&frequency=weekly

How customers rate us

4.8 out of 5 stars - based on 20,842 reviews

ShopperApproved

4.8

18,693 Reviews

Product Review

4.0

365 Reviews

Google

4.7

1,784 Reviews

What our customers say

horse
google
Yvette W.
Last Month

This system gets better every time I try it.
Thanks!

Hima
google
Hima L.
Last Month

Kini from Harmony was very helpful and it was a very pleasant experience

Amie J.
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Amie J.
Last Month

Great place . Helped me very much very easy to deal with

Jesse S.
google
Jesse S.
Last Month

That was the quickest and easiest loan application ive ever done

Alan M.
google
Alan M.
Last Month

Once again Harmoney has been brilliantly easy

Adam G.
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Adam G.
Last Month

Very fast and easy

RICK G.
google
RICK G.
Last Month

East to apply,great result

David
google
David R.
Last Month

This system gets better every time I try it.
Thanks!

Kym W.
google
Kym W.
Last Month

Easy 5 start....The process was quick easy hassle free and I had the money was in my account 5 minutes after the contract was finalised. Also Harmoney was 3% lower than anyone else i got a loan quote from. Highly recommend.

Nicholas A.
google
Nicholas A.
Last Month

Exceptional service! The loan process was fast, transparent, and stress-free. Highly recommend this company for anyone needing some Financial help fast without getting smashed with a high interest rate loan . A good experience from start to finish. Now onto my second loan.

Rajbir K.
google
Rajbir K.
Last Month

So easy and quick loan service. Excellent 👍

Cameron M.
google
Cameron M.
Last Month

Easy, honest and straightforward.

Eligibility Criteria

To get a quote in Australia;

You must be 18 years or older.

You must be an Australian citizen, Permanent Resident or New Zealand citizen.

Your credit file must not have any defaults, judgments or bankruptcies.

You must be in paid employment (which may include self-employment).

You need to borrow at least $2,000 with your loan.

You need to have photo identification documents such as your valid Australian passport or driver licence, to hand.

If you are not eligible now, you may be in the future.