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Borrow up to $50,000 unsecured

Personalised rates from 6.99%¹
(comparison rate 7.79%

Our latest awards
finder award 2019 v2
mozo award 2017 v2
mozo award 2018
rate city 2020 v2

How can we help?

Or select another loan purpose

Apply now

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 loan offer

We’ll give you a detailed loan offer with your interest rate, borrowing limit and repayments for you to approve.

3. Get your money

After you accept your quote and provide some final details, most people receive their money within 24 hours.

What we offer

$2K - $50K

Loan limits
3 or 5 years

Loan terms
$275 or $575

Establishment fee

Early repayment fee
  • All loans are unsecured
  • Rates from 6.99% - 25.69% p.a.¹ (comparison rate 7.79% - 26.65% p.a.²)
  • Your rate is fixed for the life of the loan
  • You can repay weekly, fortnightly or monthly
  • Establishment fee of $275 for loans under $5,000 ³
  • Establishment fee of $575 for loans $5,000and over ³
  • No monthly account keeping fees

Find out more about our rates and fees

A fair and simple personal loan

If access to money is holding you back, we’re here to help.

stress less v6

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 v8

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.

stress free v5

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

5.0 Thank you for the non-judgemental and easy application of this loan process. I am very appreciative of this opportunity to consolidate my personal loan and credit card debts into the one repayment so that I can at times pay off more and pay the loan off early. Thank you Harmoney. I am so very grateful. Vic, Australia
5.0 Highly recommend using Harmoney-Au it is easy to apply and staff are very helpful.
Thank for your help Ron.
Vic, Australia
5.0 I was very impressed with Harmoney it was so easy to do online and and at the end you got the results back quickly. I would highly recommend Harmoney to anyone. Thank you for my loan I very much appreciate it. NSW, Australia
5.0 Speedy service - 2nd time I've used Harmoney - dont bother about the rest SA, Australia
5.0 I would not hesitate to recommend Harmoney to anyone. The online application was smooth and hassle free and I was updated regularly about the progress and outcome of my application. Thumbs up to Harmoney. Vic, Australia
5.0 You are an awesome group to deal with for loans. Also great after sales service, if needed. Qld, Australia
5.0 Harmoney has made this process very easy and effective, very impressed with how straight foward the process is Qld, Australia
5.0 great company and easy to apply thank you, there are not alot of companies out there that cater to people on a pension even though they say they will! This company is different and I like the ability to change the options anytime throughout. Thanks Harmony! NSW, Australia
5.0 Harmoney au has great customer service people who are very helpful and very easy to deal with. I would recommend Harmoney to anyone. NSW, Australia
5.0 No issues, paperwork is easy and professional people working at Harmoney. Love Harmoney!! This is my first Top up loan! NSW, Australia
5.0 Very quick & easy process, highly recommend Harmoney Qld, Australia
5.0 They made it easy for me to apply for a top-up on my existing loan Vic, Australia
5.0 So quick and easy, I originally applied for the wrong type of loan and Harmoney talked me through changing so I had the correct product with no fuss
I have dealt with Mia throughout- she is so patient courteous and professional. Thank you Mia for your guidance you were amazing
Qld, Australia
5.0 Simple application process, easy to follow and excellent communication, highly professional. Loan organised promptly once funded. Vic, Australia
5.0 I'm so happy that I came across Harmoney as I have had difficulty trying to get a loan through others,simple and easy to apply NT, Australia
5.0 This has been quick and easy over the Internet. Thank you harmoney :-) WA, Australia
5.0 Easy process that makes life a little easier with understandable information and updates along the way. Thanks Harmoney! WA, Australia
5.0 This is the easiest loan I have ever applied for, its a great system.2nd time applying, loan was approved and in my account by the end of the day. Definately will tell others about you
Will always use you when in need.
Qld, Australia
5.0 Harmoney were fantastic to deal with. They kept me updated throughout the approval process, which took 3 - 4 working days to complete. Very friendly staff too. NSW, Australia
5.0 Excellent i was so shoked for having approved with in minutes specialy my own bank my pay go in and years and year they declined me straight after i applied and approved
I Really needed the loan to finish my home
very reliable excellent customer service
i do recommend
NSW, Australia
5.0 Fast and easy application.
The approval rate was extremely quick.easy online application. no having to make appointments and wait at the bank.
Much better than the major banks.will not use a bank again.Give Harmoney your business.
Will use again.
Thank you.
NSW, Australia
5.0 Happy with the speed of the whole process although the interest rate is higher than I believe it should be. 16.49% for a personal loan is very high NSW, Australia
5.0 Harmoney have been both informative and diligent throughout this whole process from 'enquiry' to 'receipt'. I've received help every step of the way and have appreciated their professional thoroughness. Qld, Australia
5.0 Very happy with service.
Easy hassle free no stress.
Team were very pleasant to deal with.
I would definitely use Harmoney again.
NSW, Australia
5.0 This is my third loan through harmoney. Just so easy. Qld, Australia
5.0 I found Harmoney very helpful and quick and easy to use there website.
The approval took less then 24 hours notice.
Thanks Harmoney
Qld, Australia
5.0 I think Harmoney is a great lending platform which has quality staff who attend to your every need, thanks Harmoney appreciate your guidance throughout the application. WA, Australia
5.0 A very professional & fast service ... easy to apply for & good communication throughout the process ... would definitely recommend HARMONEY to any prospective borrower. , Australia
5.0 Can't belive how stress free and easy the process was. Would rather deal with Harmoney any day compared to the big banks. Qld, Australia
5.0 Great customer service with Lenny. All questions answered. Very happy with the whole loan process. Thankyou. NSW, Australia
5.0 Excellent, curteous and prompt service.
All emails were responded in quick time.
Would recommend Harmony to anyone.
, Australia
5.0 It was such an easy process and the rate was so competitive, I would recommend harmony to anyone Qld, Australia
5.0 Very easy to understand and receive the loan I was looking for, great rate as well. NSW, Australia
5.0 So far the experience has been a positive one. Harmoney's service was very fast and efficient. Had notice of the loan being fully funded this morning and the money was in my account tonight. Amazing service. Couldn't be happier right now. Qld, Australia
5.0 I can't believe how quick & easy it was. The money was in my bank less than 24 hours after I accessed the Harmoney website Vic, Australia
5.0 Easy to deal with and fast approvals. Great comunication thru the process of loan Qld, Australia
5.0 To date I have found the Harmony experience transparent and efficient. They were much quicker processing the loan than the major banks and staff were responsive And punctual. I would happily recommend Harmoney to friends and family. WA, Australia
5.0 I have really appreciated Harmoney's attitude of 'how do we get this done' rather than A 'do we want to get it done' assessment style of attitude. Vic, Australia
5.0 The loan was easy to do online, very prompt answer at the end of completing the online forms. Highly recommend to others. NSW, Australia
5.0 Fast and easy to use. Have not needed to contact them for any service or advise as yet but if my previous dealing with establishing the loan is any indication I am sure it will be 5 star. WA, Australia
5.0 The process and loan terms have been straightforward and easy. It took a couple of days for my loan to be funded but the Harmoney staff were easy to contact during this stage to reassure me that the loan would be funded. I'm grateful that lenders like this exist for people who need funds for things that traditional lenders would say no to. Thanks Harmoney! SA, Australia
5.0 Harmoney provided me with the funds I needed very quickly which was really important to me. The application process was simple and when I had questions I was able to speak to someone in person and sort things out. One very happy Harmoney customer. Vic, Australia
5.0 quick and easy to apply and very quick response, loan fully funded with 24 hours so happy with the whole experience. I will be recommending them to family and friends, so much better than the banks Vic, Australia
5.0 The team at Harmoney was fantastic. The service they provided was very efficient and the process was so quick that my application was approved within 2 days. I will definitely recommend Harmoney. Thank you for the great service! NSW, Australia
5.0 Happy with overall service from start to finish.
Quick and painless. Love the fact that I was notified of status of each step of the process.
Thank you Harmoney.
Vic, Australia
5.0 Very easy to access especially since I am in a remote area. I love the whole online accessibility which made the whole process so quick and easy. Fantastic communication from the Harmoney team with any questions I had. Interest rates are competitive and manageable. Highly reccommended. A+ Qld, Australia
5.0 So fast and simple - I can get my finances and my life in a straight line now - couldn't be more grateful to the Harmoney Team.
Great communication and service.
WA, Australia
5.0 Amazing!, but the amount of the loan is a bit small, because to reunify and have a single payment a larger amount was better and so cheaper and make monthly payments easier. Vic, Australia
5.0 Very easy to deal with. They made the loan process very simple. Will deal with again. Qld, Australia
5.0 Quick and easy process! Stress free within days. Very easy to apply
Thank you Harmony
, Australia
5.0 Good quick service, sorted out issue I had with computer application straight away after I phoned. Loan was organised quickly so I was able to get myself and my family into a better financial position within days - I was able to pay for my final exam for work and pay out an existing loan, and with this new loan my monthly repayments are now less than they were. Thanks heaps! Qld, Australia
5.0 so far everything has been easy to understand and it didn't take long for drawdown of loan.. Qld, Australia
5.0 Harmoney are very easy to apply for a loan with and service is fast too. NSW, Australia
5.0 Paulina was fantastic and the service was easy and floorless, thanks Harmony we will be back :) SA, Australia
5.0 So far the process for the loan has been fairly simple with less than an hour spent so far filling in documentation online. Hopefully it will be the same experience as I progress to the next stage to get the loan. All good so far!!!

Following the completion of the documentation, which involved in putting my personal details, Medibank details, Driving License and uploading a copy of my bank statement and specifying the amount I would like to borrow, I received confirmation the next morning that the loan had been approved.

Three days later the funds had been received. It was that quick and that simple.

The rate I got was also very reasonable.

I honestly can not fault this service. It was quick, painless and easy. I was informed all the way and their online account is really easy to navigate and use. I will be using them again and I will be recommending them in the future.
Really please customer
Vic, Australia
5.0 This was a straight forward and easy to follow procedure...with a great response time..would recommend Harmoney ....5 stars NSW, Australia
5.0 Great service professional and would absolutely recommend harmony to my friends and family they understood my needs and were willing to help, very friendly approach excellent staff satisfaction 10 / 10 in my book thanks harmony team. Qld, Australia
5.0 Excellent service and quick and I recommend them to anyone. Thank you so much to the staff at Harmoney. NSW, Australia
Quick personal loan estimate

Get a quick estimate of the rates and repayments on your personal loan with our online loan calculator.

Common personal loan questions

View more
Who is Harmoney?

Harmoney launched in 2014 as NZ’s first licensed peer-to-peer personal loan provider. Since then, we’ve loaned more than $1.7 billion to over 50,000 borrowers in both Australia and New Zealand (March 2020).

Today, we fund loans more traditionally, but our focus remains the same: to make the borrowing experience fairer, faster and more accessible and to remove the inconvenience, awkwardness and uncertainty associated with traditional borrowing.

Our purpose is to help and inspire people to achieve their goals through financial products that are friendly, fair and simple to use. We know that access to money at the right time can make a huge difference and we believe responsible lending is crucial for helping people embrace the opportunities that life presents.

Is a personal loan good for paying off credit card debt?

An online loan in the form of a debt consolidation loan can be an effective way to pay off credit card debt and other debts, but it’s not suitable for everyone.

Why use a personal loan instead of extending my mortgage?

These days, low interest rates for mortgages can make it tempting to increase a mortgage with extra debt to save you interest fees. It’s an option that’s worth considering if you have equity, but it can sometimes end up being more costly in the long run.

We’ve written about the pros and cons of extending your mortgage, to help you make an informed decision about managing debt:

What can I use a personal loan for?

Harmoney online loans are very flexible and can be used to finance almost anything you want to.

Debt consolidation, home improvements and renovations and car finance are popular reasons why people apply for a personal loan. We also offer wedding loans, education loans and personal loans for medical expenses, household items, travel and holidays and more.

If money and finances are holding you back from achieving the things you want in life, talk to us about how a personal loan could help.

Will I qualify for a Harmoney loan?

In New Zealand - to apply for a personal loan you need to:

  • Be 18 years or older
  • Be a Permanent Resident or New Zealand citizen
  • Be earning a stable income

In Australia: to apply for a personal loan you need to:

  • Be 18 years or older
  • Be an Australian citizen, Permanent Resident or New Zealand citizen
  • Be full-time or permanent part-time employed
  • Have your photo ID documents handy, such as your Australian driver’s licence or passport
  • Have a clear credit file with no defaults, judgements or bankruptcies
  • Require a minimum $2,000 loan

When you apply or request a quote for an online loan, we need to know a little about your needs and your finances. We’ll also make some enquiries to help us verify your information. Using this information, we’ll assess your eligibility to receive credit and your capacity to service a loan.

If you qualify for a loan, we’ll provide you with your personal interest rate and the maximum amount you can borrow. There are times when we may not be able to offer a loan, such as if your recent credit history is unsuitable or there is insufficient capacity to service a loan.

What happens if a borrower’s circumstances change?

We know that things don’t always go as intended, despite careful planning. If changes in your circumstances are making you concerned about your financial situation, our customer service team is here to help as best we can.

Our number one piece of advice – don’t ignore the problem, get in touch as soon as possible so we can discuss your options and work through them together. We can also help if you are faced with unforeseen financial hardship.

Will a personal loan help you?

Thousands of people have used a Harmoney online loan to get things done.

About personal loans

Accessing money to help you achieve your goals sooner.

With an online loan, you can access opportunities today that might be out of reach without savings – sometimes for many years.

Lenders, or loan providers, earn money by charging interest and other fees on a personal loan. Interest is a fee that relates specifically to the money borrowed, while other fees relate to costs associated with administering the loan.

While these underlying principles are the same for most loan providers, the experience of applying for a loan can be very different – from the amount you can borrow to interest rates and fees to the level of customer service and support they provide.

Since our beginnings in 2014, Harmoney has sought to improve the experience of borrowers. Our purpose is to help and inspire people to achieve their goals by providing personal loans that are friendly, fair and simple to use.

Loan purposes

A personal loan can be used for almost any purpose you can think of. At Harmoney, some of our most popular loans are for debt consolidation, home improvements and renovations, car and vehicle loans and small business loans, but we also offer loans for other purposes – from travel and holiday loans to medical expenses and options in between.

Whatever you need to borrow money for, the chances are we can help.

Comparing a personal loan to other loan products

Besides personal loans, there are other options for borrowing money such as credit cards, store cards, hire purchase (HP) and buy-now-pay-later (e.g. Afterpay, LayBuy, GenoaPay).

Here are some important points to consider when comparing loan products.

Loan amount

A personal loan can be taken out for a relatively small sum or many thousands. Harmoney loans range from [lower limit] up to [upper limit]. This can make a Harmoney online loan suitable for many loan purposes that might otherwise be challenging to save for in a reasonable time.

Credit cards and HP borrowing limits can be similar to a personal loan, whereas store cards and buy-now-pay-later are commonly used for smaller amounts.

Interest rates and fees

Interest rates and fees can vary as much as the companies that offer loans, so it pays to research loan providers you’re considering using.

At Harmoney, we openly share our interest rates and fees for personal loans to help people make an informed choice about the lender they choose.

One key difference between Harmoney and most other lenders is that we offer personalised interest rates. When you apply for a personal loan with us, we’ll give you a quote based on your personal circumstances. This is sometimes called risk-based interest rates.

Many loan providers have a one-size-fits-all approach where the same interest rate applies to everyone. Since the rate isn’t personalised, it may benefit some (higher risk borrowers) while disadvantaging others (lower risk borrowers).

At Harmoney, we also work hard to keep our fees straightforward and easy to understand. For most borrowers there’s only one fee to pay, but if you fall behind in your repayments, there are two other fees that may apply.

Some personal loans and credit cards may charge a monthly account fee or other fees. This all adds to the cost of a loan.

That’s why it’s important to look at the total cost of borrowing when you’re comparing loan products. A low interest rate can look enticing, but fees can often mount up, so the total cost of borrowing could work out the same or more than other options. When you apply for a loan quote from Harmoney, we let you know the total cost of borrowing so you can see upfront what the cost of your online loan will be. We also provide some detailed examples of the cost of borrowing from a range of loans.

Loan term

The repayment period (loan term) is the point where borrowing options most differ. Personal loans generally have a fixed maximum loan term and this is used to help calculate your monthly repayment.

Harmoney offers 3 or 5 year maximum loan terms. This gives you certainty that, as long as you maintain your monthly repayments, the loan will be fully paid off at the end of the term. We also give you the flexibility to repay your loan earlier without charging any early repayment fees or penalties – so if you can pay your loan off in 1 or 2 years instead of 3, you can save on interest fees without being penalised.

By contrast, credit cards generally do not have a loan term, but instead have a credit limit and monthly minimum repayment. The cost of using a credit card can quickly add up if you’re not organised and disciplined, and it can sometimes take a lot of time and effort to finally pay off a credit card balance. Many people ultimately revert to a personal loan such as a debt consolidation loan to help them get their credit card debt under control.

Why people use a personal loan

Online loans can be easier to understand compared to other forms of consumer credit products, such as credit cards. With a Harmoney personal loan, your loan quote shows you how much the total cost of borrowing will be, so you can more easily compare your options and plan for your budget.

A personal loan can be more flexible too. Harmoney repayments can be spread out over 3 or 5 year terms, with the option of paying back the loan early without any early repayment fees or penalties.

Downsides of a personal loan

Applying for a personal loan the traditional way can be complicated. Depending on the provider, you may need to attend a meeting with a loan manager. To protect both lenders and borrowers, you’ll also have to show evidence of your identity and finances.

Harmoney simplifies the process of applying for a personal loan by making it 100% online, avoiding awkward in-person meetings. We also simplify the documents you need to provide by using automated bank statement retrieval and credit files.

Personal loans are a legally binding agreement, imposing financial commitments on both the lender and the borrower. You should think carefully about taking out a personal loan or any consumer credit product and make sure you can afford the repayments. If you change your mind about taking out a loan with Harmoney, or you no longer need the funds, you are able to withdraw/cancel your loan without penalty for up to 7 business days.

We know that personal circumstances can change and a lot can happen during the term of a loan. If there are hiccups along the way or you’re worried about your financial stability, Harmoney’s Customer Support Team is here to help. We can also help if you are faced with unforeseen financial hardship.

Need it done? We can help

Below are our most popular loans but we offer loans for almost any loan purpose.

unsecured car v3

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.

Find out more

personalised rates v8

Borrow the money you need for university or college fees, books, accommodation and other education expenses.

Find out more

debt free v5

A debt consolidation loan can replace your old debts with a single repayment designed for your personal circumstances.

Find out more

make memories v2

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.

Find out more

simplify v9

Whether you’re starting a business, expanding or just need some extra finance, Harmoney small business loans are tailored to your needs.

Find out more

stress less v3

We’re here to help if you need money urgently for medical bills, treatments or other healthcare costs.

Find out more

start now

From repairs to landscaping and swimming pools, we’ll help you to fix up or extend your home with a renovation loan.

Find out more

wedding prepare

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.

Find out more

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.

Customer service m wide min v3

Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 25.69% p.a. (Comparison Rate 7.79% p.a. to 26.65% p.a.) and are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.

2. Comparison rate of 7.79% p.a.to 26.65% p.a.is based on an unsecured personal loan of $50,000 over 5 years. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs, fees, government charges like stamp duty, and cost savings are not included in the comparison rate but may influence the cost of the loan.

3. Establishment fee of $275 for loans up to $5,000 and $575 for loans $5,000 and over. Fixed rates range from 6.99% p.a. (Comparison Rate 7.79% p.a.) to 25.69%(Comparison Rate 26.65% p.a.) on 36 to 60 month terms, with no early repayment penalties.

4. To apply you need to be 18 years or older. Be an Australian citizen, Permanent resident or New Zealand citizen. Be a full-time or permanent part-time employed. Have handy your photo ID documents such as Australian drivers licence and passport. Have a clear credit file with no defaults, judgements or bankruptcies. Require a minimum $2,000 loan.