Personal loans
up to $70,000

Apply online in minutes
Rates from 6.99% — 28.69% p.a.* (Comparison Rate 7.69% — 29.55% p.a.)*.
Or call 1300 042 766 (9am - 6pm)

*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?

Other Popular Reasons: Wedding loans, Education loans, Medical Expenses

Start an application now
Apply now
Or call 1300 042 766 (9am - 6pm)


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Simple 100% online process

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.

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.

3.

Choose your terms

Review your personalised interest, loan amount and select the length and loan options that work best for you.

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).

Start an application now
Apply now
Or call 1300 042 766 (9am - 6pm)

We've got your interests at heart

personalised-rate

You're unique, and so is your rate*

Our rates are personalised to you, so your rate is based on your circumstances, not everyone else's.

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Get funded fast.

Most loans listed in the Marketplace are fully funded within 24 hours.

online-application

A Streamlined 100% Online Application.

No queues, no need for any awkward face-to-face meetings — our process is 100% online, 24/7.

* Harmoney's interest rates and maximum loan amounts are offered based on the individual borrower's credit and affordability assessment.

Ready to begin?

Start an application now
Apply now
Or call 1300 042 766 (9am - 6pm)

Our rates and fees

An overview

Establishment fee
$500
Early termination fee
$0
Loan limits
$5K — $70K
Loan terms
3 or 5 year

You also need to know...

  • All loans are unsecured
  • Rates 6.99% — 28.69% p.a. (Comparison Rate 7.69% — 29.55% p.a.*)
  • Your rate is fixed for the life of the loan
  • 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.

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Free download — car buying guide

We’ve put together a comprehensive guide to help you kick-start your search for a new car.

Free Download

What our customers are saying.

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.

Paul D, NSW, Feb 2019

Wow! What a pleasant, stress- free experience. I’ve never experienced such a seamless and comprehensive application and approval process. I completed the whole thing on my phone within 30 minutes. Thank you, Harmoney. You’ve restored my faith in lending!

Catherine D, Feb 2019

A fantastic easy online loan experience. I have seen many in my time but the Harmony platform is simple but yet professional.

Edward C, Feb 2019

Very happy with service. Easy hassle free no stress. Team were very pleasant to deal with. I would definitely use Harmoney again.

Inanc, Jan 2019
5 stars
Shopper Approved
4.7 Overall Rating

Ready to begin?

Start an application now
Apply now
Or call 1300 042 766 (9am - 6pm)

Trust and Security

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$90 Million*

in funded loans.

83,000 members*

in our growing community.

Bank Grade Security

with 256-Bit SSL encryption.

*Over 380,000 members and $1 billion in funded loans across Australasia.

Harmoney is regulated by the Australian Securities and Investments Commission.

Harmoney Australia Limited ABN 12 604 342 823, holds Australian Credit Licence Number 474726 and Australian Financial Services Licence Number 474726.

Ready to begin?

Start an application now
Start now
Or call 1300 042 766 (9am - 6pm)

Ready to begin?

Start an application now
Apply now
Or call 1300 042 766 (9am - 6pm)

Here when you need us.

Sometimes you just need to talk to a person, and we have a super-dedicated Customer Support team ready to help you. It’s a team effort, so you might get Michael, Kristen, Sahil, or any of our other 30+ specialists.

Other ways to contact us

Terms & Conditions

*Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 28.69% p.a. (Comparison Rate 7.69% — 29.55% 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.

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.