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Interest rates from²
5.76
%
p.a.
Comparison rate³
6.55
%
p.a.
Harmoney ranks in Top 10
2023 AFR Most Innovative Awards
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Start almost anything
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
Early repayment fee
$0
Interest rate from²
5.76% - 24.03% p.a.
Loan terms¹
3, 5 or 7 years
Comparison rate from³
6.55% - 24.98% p.a.
Rate type
Fixed rate
Establishment fee⁴
$275 or $575
Lightning FAST funding
Typically less than 5 minutes
Repayment frequency
Weekly, fortnightly, or monthly
Loan type
Unsecured
Get a quick estimate
Loan Amount
You can apply to borrow $2000 - $100000
Loan Term
Credit history
Interest rate 5.76% (comparison rate 5.76%)
Your repayment estimate
$135.41
Weekly repayment
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.
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!
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How much can I borrow for a car?You can request anywhere from $2,000 up to $100,000, subject to affordability and credit profile.
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Can I buy from a private seller?Yes - because the loan is unsecured Harmoney places no restriction on where you purchase; dealerships and private sales are both acceptable.
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Are there early‑repayment penalties on the car loan?No, just like other Harmoney personal loans, you can pay extra or clear the balance early without fees.
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Can I refinance an existing car loan with Harmoney?Absolutely. Apply under “car refinance”; if approved, use the funds to pay out the old loan and enjoy a new fixed rate with no exit fees.
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Do I need a deposit or trade‑in?Not necessarily; eligible borrowers can finance up to 100 % of the purchase price, making it easier to shop as a “cash” buyer.
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Is the car loan secured on the vehicle?No, Harmoney’s car finance is unsecured, giving you ownership flexibility and no asset tie‑up.
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How to get pre‑approved before shopping?Apply online, select “car purchase” as purpose and review your quote. With an approved offer in hand you can negotiate confidently knowing your budget.
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What interest rates apply to car loans?Rates start from 5.76 % p.a. (comparison 6.55 % p.a.) and are fixed for terms of 3, 5 or 7 years.
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How quickly can I collect the car after approval?Funds usually settle within 24 hrs of contract acceptance, letting you finalise payment and drive away the next business day.
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How to switch repayment frequency after the loan starts?Log into your dashboard and select weekly, fortnightly or monthly; changes take effect from the next scheduled debit.
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Why choose a short‑term loan?Paying the balance over three years means you clear the debt sooner and reduce total interest - ideal if you have stable cash‑flow and want quick freedom.
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Are rates higher on a shorter term?Not necessarily; your personalised rate depends more on credit risk than term length. A shorter term may slightly increase each repayment but lowers lifetime interest.
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How to calculate repayments on a 3‑year term?Use Harmoney’s online calculator: enter your desired amount, select “3 years” and view weekly, fortnightly or monthly figures instantly.
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Can I pay the loan off even faster?Yes - extra or lump‑sum payments attract no early‑exit penalties, so you can finish well before 36 months.
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What is Harmoney’s shortest loan term?The minimum fixed term is 3 years (36 months).
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What is considered a “small” loan at Harmoney?Any borrowing between $2,000 and roughly $20,000 is commonly referred to as a small personal loan, though you can still access up to $100k if needed.
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How to apply quickly for a small loan?Use the same streamlined online form, select your desired amount (minimum $2k) and submit - funding is often complete within 24 hrs.
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What can I use a small loan for?Typical uses include urgent car repairs, vet bills, school fees or seizing a short‑term business opportunity - Harmoney allows almost any reasonable personal purpose.
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Can I top‑up the loan later?Once you’ve built a positive repayment record you may be eligible for a top‑up; Harmoney reassesses affordability and offers a new quote.
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Are interest rates higher on small loans?Not automatically; your rate is still personalised. Smaller balances do attract the same one‑off establishment fee, so consider whether borrowing a little more (e.g., above $5k) actually lowers the fee percentage.
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How to repay a small loan faster?Make additional repayments whenever cash‑flow allows - there’s no penalty, and every extra dollar shortens the term and cuts interest.
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Can I save my progress and return later?Yes - your account stores incomplete applications securely so you can pick up where you left off on any device.
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Does applying obligate me to take the loan?No. Receiving a quote is obligation‑free; you can decline or simply let the offer lapse after 60 days.
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What makes Harmoney’s application “easy”?The form is condensed to essentials, autofills where possible and leverages secure bank feeds to verify income—most customers finish in under three minutes.
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Who can help if I get stuck?Harmoney’s 30‑plus loan specialists are available via phone or live chat to walk you through any step.
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How to complete the application in three steps?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.
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What information do I need on hand?A valid Australian driver’s licence or passport, your employment details and online banking login (read‑only access only).
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How secure is my personal data?Harmoney uses bank‑grade encryption, secure tokenisation for document uploads and complies with Australian Privacy Principles, so your information stays protected.
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What if I have trouble uploading documents?Use the in‑app chat or ring 1300 042 766 to reach Harmoney’s Australia‑based support team for real‑time assistance.
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How to apply online step by step?1️⃣ Create account 2️⃣ Enter loan purpose & details 3️⃣ Link your bank to verify income 4️⃣ Review instant quote 5️⃣ E‑sign and receive funds.
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What makes Harmoney an “online” lender?Every stage - from quote, ID verification and bank‑statement upload to contract signing - is completed digitally, meaning zero paperwork or branch queues.
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How to track loan progress online?Your dashboard shows real‑time status, outstanding actions and confirmed settlement details; email and SMS notifications keep you in the loop.
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Can I apply outside business hours?Yes - the digital platform is live 24/7. Applications submitted after hours are processed by the automated system immediately, with manual verification (if needed) next day.
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How to check my personalised rate without hurting my credit score?Use the online quote tool; it runs a soft enquiry and locks your rate for 60 days so you can decide with no pressure.
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What is Harmoney’s lowest advertised rate?Fixed unsecured rates start from 5.76 % p.a. with a comparison rate of 6.55 % p.a.
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Can I refinance an existing higher‑rate loan with Harmoney?Yes - many customers move high‑interest personal loans or credit‑card balances to a lower Harmoney rate, often saving hundreds in interest.
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Are rates fixed for the whole term?Yes - once your loan settles the rate never changes, protecting you from market hikes.
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How to reduce my total interest even further?Choose the shortest term you can comfortably afford and make extra repayments - every extra dollar goes straight to the principal because there are no early‑repayment fees.
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Why is the comparison rate higher than the interest rate?It blends the interest with the establishment fee so you can compare lenders on an all‑in cost basis; Harmoney publishes both figures for transparency.
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How do I qualify for the lowest rates?Maintain a strong repayment history, stable income, low unsecured debt‑to‑income ratio and minimal credit enquiries; Harmoney’s risk‑based model rewards those factors.
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Is the entire process online?Yes - no branch visits, printing or scanning. You can apply, e‑sign and track status on desktop or mobile 24/7.
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Do I need excellent credit for quick approval?Good credit can lead to instant approval; applicants with weaker files may be asked for extra info, but many still receive a decision within one business day.
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How fast is “fast approval” with Harmoney?Have your driver’s licence or passport, employment details and access to your online banking ready; accurate information allows Harmoney’s automated checks to clear instantly.
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How to track my application in real time?Log in to your Harmoney dashboard or use the confirmation email link to see live status updates and any outstanding tasks.
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What if I accept after business hours?You can accept anytime; payouts occur on the next bank processing run, so evening contracts usually settle the following business day.
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What documents are required?Valid photo ID plus proof of regular income - most customers simply authorise a secure read‑only bank‑statement link, avoiding manual uploads.
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Is the entire process online?Yes - no branch visits, printing or scanning. You can apply, e‑sign and track status on desktop or mobile 24/7.
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Can I repay the consolidation loan early?Yes - Harmoney charges no early‑repayment fees, so you can pay more than the minimum to shorten the term and interest cost.
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How does Harmoney actually consolidate my debts?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.
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What is a debt‑consolidation loan and how can it help me?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.
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What happens if I miss a repayment?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.
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Does consolidating hurt my credit score?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.
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Is debt consolidation always the right choice?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.
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How much can I borrow for debt consolidation?The same $2k–$100k range applies; Harmoney will look at your income versus total outgoings to ensure the new repayment is manageable.
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Will a consolidation loan save me money?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).
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How to apply for a Harmoney debt‑consolidation loan?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.
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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).
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
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How are repayments collected?Repayments are direct‑debited weekly, fortnightly or monthly (your choice). You can change the frequency later via your account dashboard.
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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.
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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.
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Why do FAQs matter?FAQs are a great way to help site visitors find quick answers to common questions about your business and create a better navigation experience.
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What is an FAQ section?An FAQ section can be used to quickly answer common questions about your business like "Where do you ship to?", "What are your opening hours?", or "How can I book a service?".
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Where can I add my FAQs?FAQs can be added to any page on your site or to your Wix mobile app, giving access to members on the go.
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How do I edit or remove the 'Frequently Asked Questions' title?You can edit the title from the FAQ 'Settings' tab in the Editor. To remove the title from your mobile app go to the 'Site & App' tab in your Owner's app and customize.
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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.
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