Personal loans
Simple, 100%
online process
Personalised interest rates
6.99% — 28.69% p.a.
Comparison Rate
7.69% — 29.55% p.a.*
*Comparison rate of 7.69% p.a. – 29.55% p.a. is based on an unsecured personal loan of $30,000 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.
How can we help you?
Select from one of our popular loan purposes.
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I want to consolidate debt
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I’m renovating my home
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I want to sort out a vehicle
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I’m planning a holiday
Other dreams could include:
Not ready? Scroll for more info.
How does the process work?
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Step 1. How can we help?
Whatever it is is you want to make happen, we're here to help. Tell us why you need the money and we'll kick things off.
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Step 2. Getting to know you and your finances
As a responsible lender, we'll need to verify you are who you say you are, and that you can afford to borrow the money.
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Step 3. Choose your terms
Review your personalised interest, loan amount and select the length and loan options that work best for you.
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Step 4. Getting funded
Once funded, the money is deposited into your bank account, or disbursed to pay off your debts (if you're consolidating debt)
Our rates and fees
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$200 or $500
Establishment fee
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$0
Early termination fee
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$2K - $70K
Loan limits
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3 or 5 year
Loan terms
You also need to know...
- All loans are unsecured
- Your rate is fixed for the life of the loan
- Rates 6.99% p.a. – 28.69% p.a. (comparison rate 7.69% p.a. – 29.55% p.a.*)
- You can repay weekly, fortnightly or monthly
*Comparison rate of 7.69% p.a. – 29.55% p.a. is based on an unsecured personal loan of $30,000 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.
What's my rate?
Get a quick estimate to see your indicative rate.
Get the loan that works for you
Spend more time living, and less time figuring out how to pay for it.
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You’re unique. So is your rate
Interest rates are based on your individual credit assessment – not one‑size‑fits‑all.
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Get funded fast
Most Harmoney loans are fully funded within 24 hours*.
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100% online application
No queues, no appointments. You can apply on your own schedule, 24/7.
Our people, our stories
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Borrower blog
Are you ignoring your financial situation? -
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How to manage your money at every stage of life -
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If you want financial freedom, a personal loan could help -
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Top 5 Tips to Stop Scrimping and Start Saving -
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7 Life hacks for financially savvy Aussies -
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Why do all my friends all seem financially better off? -
Borrower blog
Personal loans: What are they and how do they work?
Get started with Harmoney today
There’s no time like the present. Let’s make it happen for you.
We’re real people, and we’re here to talk
Need help? Michael, Kris, Sahil, and 30+ Customer Support specialists are waiting to hear from you. Give us a call on 1300 042 766, or jump onto live chat!
