Personal Loans

Personal loans

Simple, 100%
online process

Personalised interest rates
6.99% — 28.69% p.a.

Comparison Rate
7.69% — 29.55% p.a.*

Learn more

*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.

  • I want to consolidate debt

  • I’m renovating my home

  • I want to sort out a vehicle

  • I’m planning a holiday

Other dreams could include:

Not ready? Scroll for more info.

How does the process work?

  • 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.

  • 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.

  • Step 3. Choose your terms

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

  • 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

  • $500

    Establishment fee

  • $0

    Early termination fee

  • $5K - $70K

    Loan limits

  • 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.


Read more about our interest rates and fees

What's my rate?

Get a quick estimate to see your indicative rate.

Estimate now

Get the loan that works for you

Spend more time living, and less time figuring out how to pay for it.

  • You’re unique. So is your rate

    Interest rates are based on your individual credit assessment – not one‑size‑fits‑all.

  • Get funded fast

    Most Harmoney loans are fully funded within 24 hours*.

  • 100% online application

    No queues, no appointments. You can apply on your own schedule, 24/7.

Our people, our stories

4.7/5 stars

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!