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Borrow up to $50,000 unsecured

Personalised rates from 5.35%¹
(comparison rate 6.14%

Our latest awards
rate city 2021
finder award 2019 v2
mozo award 2018
rate city 2020 v2
mozo award 2017 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 5.35%¹ (comparison rate 6.14%²)
  • Your rate is fixed for the life of the loan
  • Establishment fee of $275 for loans under $5,000 ³
  • Establishment fee of $575 for loans $5,000and over ³
  • No monthly account keeping or early repayment fees
  • You can repay weekly, fortnightly or monthly

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 You couldn't have made it any easier. I applied for the loan on my phone in a break at work and had an answer back straight away. 10/10 service so far!! Australia
5.0 Harmony is so easy to understand on line and when I do speak to a Harmony member they are so polite and helpful Australia
5.0 This was so quick! Can't believe how quick! I am totally going to recommend Harmony Finance to all my family and friends. Thank you! Australia
5.0 Harmony was a very easy process. Thank you very much for the fantastic service. Australia
5.0 Excellent service,easy application process. Better to deal with than any of the big banks. So grateful to Harmony Australia
5.0 Very quick and easy process, Thank you Harmoney Australia
5.0 Fast easy loan process. Very happy with the service provided. Australia
5.0 I honestly didn't realise I could get finance without the headache that's normally associated with it. Very straight forward. Australia
5.0 Second time around with Harmoney and I have to say the service and experience is very good. Thank you Australia
5.0 Everything is so quick & easy with Harmoney! Australia
5.0 quick and easy way to get help in finance. Very helpful staffs. Thanks Australia
5.0 I found Harmony was very efficient with the way they handled my new loan very good thanks Australia
5.0 Excellent service, this is my second ;loan :), would highly recommend Harmony Australia
5.0 The Team at Harmoney are amazing to deal with, the prompt service and a very easy platform to navigate. Australia
5.0 It is quick and easy process to apply for finance for whatever purposes with Harmoney. Australia
5.0 Thankyou so much for making this easy to apply for loan and quick turnaround Australia
5.0 Thank you Harmoney Australia Australia
5.0 You guys at Harmoney are just amazing. So easy. Not intrusive and the customer service staff are super helpful. Thank you for not making me feel like a failure...as the banks do... Being a single Mum on one wage due to my husband passing away all my bank want to do is give me advice on budgeting...no help at all. Thank you again Harmoney for being understanding , helpful , considerate and for putting a smile back on my face. Financially, I can now breathe. :):):) 5+ star service. Australia
5.0 Harmoney makes consolidating debt fast and easy, relieving the worry of dealing with multiple accounts Australia
5.0 Easy to read and understand, will recommend Harmony to friends and family Australia
5.0 it was so easy and paperless to apply for a loan Australia
5.0 Harmoney have been very helpful and easy to deal with. Australia
5.0 Very easy to get funding Everybody body at Harmoney are easy to talk to and very helpful with any questions I had and help me every step of the way with my application. Cheers Peter Australia
5.0 Harmony are amazing they are all about us the lenders with extremely fair loan repayments. The team are always so considerate helpful and put our stressed minds at ease. I would never brow from anyone else. Australia
5.0 Very easy process. If you have any problems Harmoney staff are easy to deal with. Australia
5.0 Harmoney was awesome Australia
5.0 Harmoney have been wonderful. Thank you Australia
5.0 Good Support.... The Page where you select your loan amount after being told your borrowing power wasn't clear to me. Australia
5.0 I have been impressed so far the time frame process has taken to approve the loan Australia
5.0 The process was slightly lengthy, but worth it to get a loan approved in minutes. Australia
5.0 Very easy to apply for a loan and love that you can repay early without any fees Australia
5.0 Quickest easiest loan ever Australia
5.0 Very helpful people at Harmoney . Thank you for your assistance Australia
5.0 so far so good. All process are seamless and less hassle. Hopefully all goes well until I finish my loan. Australia
5.0 i called them twice, very helpful people work for Harmony Australia
5.0 Very satisfied with harmony experience I had is that they worked very quickly and I would recommend harmony to my friends and thank you again Australia
5.0 Harmony’s have been one of the best I have loaned from Australia
5.0 Absolutely no fuss, easy to deal with and the team at Harmoney are super helpful! Australia
5.0 Very easy to understand and follow instructions to complete loan application. Australia
5.0 Very happy with Harmoney. I like the flexibility. Australia
5.0 Got approved for my loan in under 10 mins Australia
5.0 Very easy to deal with didn't mind making changes after loan was set up Australia
5.0 Really great service and happy to continue with Harmony..Highly recommend Australia
5.0 quick response to 2.5k loan Australia
5.0 It is so quick and easy
No making around
I am really happy with Harmony loan
5.0 Best Finance Company Australia
5.0 I am very happy with the process and the consultants I dealt with. They were very helpful and pleasant Thank you very much. Harmoney. Australia
5.0 Easiest loan application ever Australia
5.0 Extremely easy, smooth and fast process! I have used Harmoney in the past and have told my family and friends to go with Harmoney! Australia
5.0 I work days and nights outside normal time frames. So finding the right finance isn't so easy. Harmoney's application process is so easy and stress-free to manage. Thank you. Australia
5.0 I love you guys, its the easiest loan i have ever applied for Australia
5.0 Easy and promt.
Thank you Harmoney
5.0 I Recommend Harmoney for Fast, Hassle free loans with professional staff available for any questions for quick response via phone ,and online. Australia
5.0 I have always found Harmoney a quick and easy process. Highly reccomend their services. Australia
5.0 Thankyou for a simple and fast way to apply. This is my second loan with Latitude and the service is always excellent Australia
5.0 My top loan was a very straight forward procedure on the computer which makes it a bit easier to obtain financial help when times are difficult Australia
5.0 Loan application was quick & easy. Australia
5.0 Easy, and truthly a great organization to deal with.....5 stars Harmoney... Australia
5.0 Without doubt Harmoney is exceptional.
Easy user friendly process and loan approved in 10 minutes
Recommend Harmoney above major banks for personal loans done in the convenience of your on home
5.0 This is the 2nd time I am applying & I was hundred percent satisfied with the service rendered by Harmoney & would highly recommend it to anyone. They are even much better than banks. Australia
5.0 Great rate, easy application, quick approval, and the approval was for the amount they would lend me, not what I asked for. I had forgotten something I wanted to get done and didn’t include In the loan amount, and thought I had missed out. But now I can do it to because I increased the amount once I got the loan offer. Too easy. Australia
5.0 Top up loan. Easy and I’ve been a customer for a couple of years already Australia
5.0 I found Harmoney to be very helpful and very quick Australia
5.0 Harmoney have always been very straight forward and easy to deal with Australia
5.0 Amazing customer Service!

best place to go for a quick loan
5.0 Easy, simple and convenient. I really enjoy using Harmoney. It gives me options to choose where I want my money to go. Australia
5.0 Have been shopping through Harmoney for a few years and by far has the best experience I’ve had, no comparison Australia
5.0 Have been shopping through Harmoney for a few years and by far has the best experience I’ve had, no comparison Australia
5.0 I have found Harmony to be fair and honest with every step of the loan process Australia
5.0 I am SO impressed and blessed that I selected Harmoney for the loan. The support administration and accessibility are exceptional along with that personable NZ element that shines through the phone-calls and emails.
This recent proactive support to slightly reduce the interest rate is well appreciated. The only downside of Harmoney is the level of high current interest rate that would put me off borrowing again as I think I had a reasonable income report to provide a lower rate.
Anyway I really appreciate rate great service; your staff are exceptional. Martin
5.0 Brilliant service from harmoney, happy customer from a harmonious company thank you Australia
5.0 The online service and any phone services I’ve had with Harmony have always been excellent Australia
5.0 Great company to deal with. Easy and quick finance.
Thank You
5.0 Always excellent would recommend harmoney to everyone. Australia
5.0 Thanks for the expediency of this top up loan application. Australia
5.0 Excellent. Glad I can pay my loan off early if need to Australia
5.0 hassle free and faster then expected ,i would recomend harmony to everyone thank you Australia
5.0 Thank you Harmoney excellent customer service and easy application. Australia
5.0 Thank you to the staff at Harmoney for the opportunity to consolidate my debts. Yours is a wonderful & courteous service that you provide. You treat people with compassion & understanding without judgement. I will repay you my gratitude with early repayments when possible. Australia
5.0 Easy transaction
Easy website to use, very accomodating.
No stress
I've been with Harmoney for 6 mths and the experience has been awesome. I just topped, and again the experience was awesome
5.0 Fantastic its great to be able to have all loans into one smaller interest rate. Australia
5.0 Thanks harmony you saved the day Australia
5.0 Thank you for the quick loan process Australia
5.0 Harmoney has been amazing to use, reliable with a straightforward, no fuss application process and funds transferred quickly upon approval. Australia
5.0 Other than issues finding my biller details to have the loan funded for debt consolidation, it was really easy and straightforward. Australia
5.0 Second time I've used Harmoney and I must say, I've found the whole process very painless, quick and easy. The interest rate are far lower than any credit card and you have the option to pay back early if possible. I would recommend Harmoney to others. Australia
5.0 Easy to apply and good communication from Harmoney. Australia
5.0 The Staff at Harmoney, are professional and very helpful in every way. i would recommend them to every one Australia
5.0 Easy application process, seamless. Have dealt with Harmoney more than once and haven't disappointed yet. Pretty much do what they say, no tricks Australia
5.0 Excellent service, easy and fast application. Best loan provider I have used! Australia
5.0 Found the loan application to be very simple. Well put together easy to follow instructions. Australia
5.0 Harmoney have been fantastic to deal with, solid communication, streamlined process.
Would not hesitate in recommending Harmoney to anyone looking to consolidate finances or take out a personal loan.
5.0 Thank you, your systems are in place to help customers shop at your site for loans etc. But I was expecting a bit lower rate specially during this situation. Australia
5.0 Harmoney is simply the best, thank you Australia
5.0 Fastest loan application ever Australia
5.0 Once again easy and quick. Thanks Harmony Australia
5.0 I like the ease of dealing with Harmony Australia
5.0 I'm really impressed of how quick the processing of my loan application is . It was hassle-free & the staffs are very supportive all throughout the process, very helpful of all my queries. Thanks heaps Harmoney! Australia
5.0 You have made what i find a hard personal problem easy to deal with ie obtaining a loan without being made to feel like a failiure .Thankyou Australia
5.0 Very easy no hassels and quick response thanks Harmoney. 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.

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