Interest rates from²

5.76

%
p.a.

Comparison rate³

5.76

%
p.a.

AFR

Harmoney ranks in Top 10
2023 AFR Most Innovative Awards

Finder Innovation Awards - 2025
Best Excellent Credit Personal Loan
We Money

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.

No account required

Just provide a few details and see your guaranteed rate.

Guaranteed rates for 60 days

Your interest rate is locked in for 60 days, giving you time to decide with confidence.

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

How to apply

01

Get your rate in 112 seconds

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 YOUR RATE NOW

Won't affect your credit score and your rate is guaranteed for 60 days

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!

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.
google
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.
google
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.

Frequently asked questions

What is the Harmoney Quick Quote service?

The Quick Quote service provides you with a fixed interest rate and an estimated borrowing amount in minutes, without requiring you to upload your Identity Verification (IDV) or Bank Statements (BS) at the initial quote stage. This gives you a clear and immediate picture of what your loan could look like so you can make an informed decision.

Does using the Quick Quote service affect my credit score?

No, a Quick Quote will not impact your credit score.

We run a soft credit check on your credit file to provide you with an accurate quote. This is a quotation enquiry that - although recorded in your credit file - won't be used by credit bureaus to assess your score. A hard credit check only occurs if you commence a loan application. We’ll let you know before we do a hard credit credit check.

Who is the Quick Quote service for?

The service is designed for both new and existing Harmoney customers.

  • New Customers: If you've never had a loan with Harmoney before, you can get a quick, indicative quote.

  • Existing and Returning Customers: If you're a current or past Harmoney customer, the QQ service provides you with a quote without you needing to complete a full application, offering a streamlined experience and supporting our goal to reward customer loyalty.

What information do I need to provide to get a personal loan Quick Quote?

The Quick Quote calculation primarily uses inputs that you declare, such as your net income, living expenses, debt repayments, and accommodation expenses. This is a move towards a more transparent process that relies on the information you provide.

Can I get a secured loan quote using the Quick Quote service?

Once our secured auto loan product is released, you will have the option to select a secured vehicle loan and receive an interest rate for it through the QQ service. The unsecured rate will also be displayed for comparison.

What happens if I try to get multiple quotes?

To ensure we can provide guaranteed rates with confidence, the number of edits per QQ per customer is limited to two every 60 days. After the second attempt, you will receive the same rate as your second quote for all subsequent attempts.

What if I have an active loan or application with Harmoney?

If you have an active approved application, or a quote has already been offered, you will be directed to complete that application rather than being provided a new Quick Quote. However, if you have an application in progress, you will still be able to complete a Quick Quote.

Is the interest rate I receive guaranteed?

Yes, the personalised interest rate you receive is locked in and guaranteed for 60 days.

What if I am an existing or returning customer?

If you're a current or past Harmoney customer, the QQ service provides you with a quote without needing to complete a full application, offering a streamlined experience and supporting our goal to reward customer loyalty.

How many times can I get a Quick Quote?

You are limited to two Quick Quotes every 60 days.

What happens after I get my Quick Quote?

Once you have your quote, you can decide whether to proceed with the full application by creating a Harmoney account. Complete the application in full and receive a quote offer and accept the terms and provide final details.

Does the Quick Quote service consider combined incomes for partners?

Adding your spouse or de facto partner is also known as adding a co-borrower.

The Quick Quote service assesses the individual applicant's income, and does not currently cover co-borrower situations. We do compare declared income with bank statements, which can sometimes reflect combined incomes, so it's important that you provide your true, personal net income for the most accurate quote.

Why is it important to declare all my debts, including mortgages?

It's essential to disclose all your debts, such as mortgages, to ensure we have an accurate understanding of your financial situation. This helps us provide you with a reliable assessment and avoids potential financial risk. If debts are not declared, it can lead to inaccurate financial assessments and may require you to reapply.

Is the amount guaranteed?

No, the Quick Quote provides an estimated borrowing amount and a fixed interest rate. You must complete a full application to get approved for credit, at which point a final approved amount would be determined.

What happens if I already have a quote?

If you have a successful application or an active quote, you will be directed to complete your application rather than getting a new Quick Quote. If you have an application in progress, you will still be able to complete a Quick Quote and receive that rate when you complete your application.

If I already have a loan with Harmoney, can I get a Quick Quote?

If you have an active loan (meaning the funds have been disbursed) you can get a Quick Quote if you are looking to borrow more.

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 have 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’s to licence, to hand.

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