Step 1: Provide contact & ID details

Step 2: Link bank account for income verification

Step 3: Choose loan amount & submit. Your personalised rate follows instantly.

A valid Australian driver’s licence or passport, your employment details and online banking login (read‑only access only).

No. Receiving a quote is obligation‑free; you can decline or simply let the offer lapse after 60 days.

Yes - your account stores incomplete applications securely so you can pick up where you left off on any device.

Harmoney’s 30‑plus loan specialists are available via phone or live chat to walk you through any step.

It’s a single fixed‑rate personal loan that pays out multiple existing debts—credit cards, store cards, BNPL or smaller loans—so you’re left with one predictable repayment and often a lower overall rate, reducing stress and late‑fee risk.

During settlement you can supply payout details for each creditor; Harmoney’s team can disburse funds directly so balances are cleared automatically, or transfer the lump sum to your account for you to finalise.

Many borrowers lower both their interest rate and fees. Savings depend on the rates you’re paying now, the term you choose and whether you make extra repayments (there’s no penalty for doing so).

Complete the standard online application, list each debt you want cleared and upload your latest statements; once accepted your old balances are paid and you start one new repayment schedule.

The initial quote is a soft enquiry. Paying off revolving balances often improves your credit utilisation ratio, which can strengthen your score over time if you avoid re‑running card balances.

Yes - Harmoney charges no early‑repayment fees, so you can pay more than the minimum to shorten the term and interest cost.

Harmoney will notify you and may charge a missed‑payment fee; if you’re experiencing hardship, contact the support team early—they can discuss tailored solutions.

It works best when you use the lower‑rate loan to close higher‑rate lines of credit; continuing to use old cards after consolidation can negate the benefit, so commit to a clear payoff strategy.