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Personal loans


Let’s get you moving. Faster.

Personalised rates from 5.35%¹
(comparison rate 6.14%)²

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

Get behind the wheel with a fast, hassle-free car loan

Found the car or vehicle you always wanted, or just looking? Take control with a loan personalised to your needs.

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Get your loan approved before you find your perfect car and negotiate with the power of a cash buyer.

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Whether you’re after a car, motorcycle, truck or caravan, a vehicle loan with a fixed repayment plan means you don’t have to worry about surprises.

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All our personal loans are unsecured, so you don’t have to put down your new car or other vehicle as security.

What our customers say

5.0 Very quick and easy to use. Australia
5.0 Very fast and easy to use Australia
5.0 Quick and easy Australia
5.0 Fastest, easiest application I've ever done. It is great having online chat feature available for any questions and to fix any problems with application. Thank you for your service, I'm finally on my way to financial freedom! Australia
5.0 Fast,efficient and friendly Australia
5.0 Very simple and fast for both application and approval. Australia
5.0 The customer service team has been fantastic with helping me get everything sorted! Very quick and easy application process 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 Fast easy process, people there to help via live chat or email through the entire process great help, thank you! Australia
5.0 Good quick experience Australia
5.0 Harmony was a very easy process. Thank you very much for the fantastic service. Australia
5.0 Quick and easy process. Australia
5.0 Fast and easy to work with Australia
5.0 So quick and easy! Australia
5.0 It was quick and easy Australia
5.0 Fantastic service
Quick and easy, no fuss
All online, no wait times
5.0 such a quick and simple process. Do this it's so good. Australia
5.0 fast! Australia
5.0 Very happy all questions were answered clear and fast.
Thank you
5.0 Quick and easy application with great customer service Australia
5.0 Thanks for the quick and swift approval. Australia
5.0 Fast Australia
5.0 Unbelievably quick and easy process and very intuitive platform Australia
5.0 So quick and simple. Australia
5.0 Very quick and easy process, Thank you Harmoney Australia
5.0 Very quick and easy. I am a busy person so this was the perfect way to consolidate my debt with the least amount of fuss and red tape. Australia
5.0 Fast easy loan process. Very happy with the service provided. Australia
5.0 Easy to use site very responsive really satisfied Australia
5.0 Thank you so much, quick and easy Australia
5.0 Totally happy very friendly fast service Australia
5.0 My customer service experience is absolutely fantastic! The customer service officers helped me a lot and got back to me in a very timely manner. My application has been processed and approved very quickly. Appreciate all your assistance. Australia
5.0 Easy, clear and fast Australia
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5.0 Fast and easy process. No hurdles and very helpful Australia
5.0 Quick fast and helpful Australia
5.0 Fast and easy Australia
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5.0 Very easy and quick Australia
5.0 Helpful, quick and easy Australia
5.0 Very fast & easy Australia
5.0 So easy and quick. Thankyou. Australia
5.0 So quick and easy and will definitely be recommending your services to others! Australia
5.0 Fast and super easy - everything is in plain English and you know exactly what you’re getting 10 out of 10 Australia
5.0 Thank you great and quick service Australia
5.0 Fantastic Australia
5.0 It is a very quick and easy process. The forms are easy to fill out. The time it takes to assess and get an answer is very quick. The money is in your account not long after that. Australia
5.0 Very quick and helpful Australia
5.0 Quick and easy with reasonable interest rate Australia
5.0 My experience was quick and easy. Nit being very tech savvy this process was user friendly. Thank you!! Australia
5.0 seamless, fast and user friendly experience. Australia
5.0 Everything is so quick & easy with Harmoney! Australia
5.0 Amazing fast process Australia
5.0 quick and easy way to get help in finance. Very helpful staffs. Thanks Australia
5.0 Very quick
No hassle at all
5.0 Good and quick communication. Thorough documentation Australia
5.0 Fast communication Australia
5.0 Fast and easy Australia
5.0 Very easy to navigate and very quick response times Australia
5.0 Thank you for the quick information and the ease of getting to lean Australia
5.0 Quick and easy. Australia
5.0 Quick and easy Australia
5.0 Fast, efficient and easy to use service. Australia
5.0 It’s so quick and easy, very little paper work to fill out Australia
5.0 always fantastic and fast servoce! Australia
5.0 Easy and fast service. Thank you. Australia
5.0 Fast easy and helpful with the offers Australia
5.0 Excellent very quick response Australia
5.0 Very easy
No early repayment fee and can pay off quicker
5.0 It is quick and easy process to apply for finance for whatever purposes with Harmoney. Australia
5.0 Very quick, efficient and user friendly platform Australia
5.0 Thankyou so much for making this easy to apply for loan and quick turnaround Australia
5.0 Really quick and easy. Australia
5.0 So quick and easy Australia
5.0 Great service and very quick turnaround and very easy Australia
5.0 Fantastic helpful professional Australia
5.0 Quick easy love it Australia
5.0 Communication was great! Fast and easy process, thankyou! Australia
5.0 Fast, easy, no fuss Australia
5.0 Harmoney makes consolidating debt fast and easy, relieving the worry of dealing with multiple accounts Australia
5.0 Unbelievably fast and hassle free process ... good job! Australia
5.0 The overall process was too fast and fantastic Australia
5.0 Easy and fast Australia
5.0 Quick and easy. Australia
5.0 very quick and easy SA, Australia
5.0 Fantastic service Australia
5.0 Fast and Quick Process, Gave mulitple options for payments, easy upload of Bank Statements, Highly Recommend. Australia
5.0 Excellent. Fast approval and easy application. Flawless process. Australia
5.0 Excellent service. Highly recommended. Easy to complete, and very fast review times. I'll be using this service again. Australia
5.0 A fantastic company to borrow from. Australia
5.0 quick and easy Australia
5.0 Fantastic Australia
5.0 Thanks so much process was simple and fast. Australia
5.0 Very quick and efficient process Australia
5.0 Fast and excellent service Australia
5.0 So quick and easy when you need it in a hurry Australia
5.0 It was quick and easy Australia
5.0 Very simple , quick and easy Australia
5.0 Quick and responsive Australia
5.0 Excellent quick service Australia

Simple, 100% online

Step 1: Get to know you

Let’s get you in that new vehicle. First we just need to know some details about you and your finances.

Step 2: Get your offer

Your car loan offer will have detailed but easy-to-understand terms, and customised to your individual needs.

Step 3: Get your money

If you’re happy with your loan terms, we’ll ask you for some final details so we can wrap everything up. Most people get 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

Our loans aren’t only fast, they’re fair

Spend more time finding the right car and less time worrying about finance.

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The interest rate you pay is calculated based on your individual credit assessment.

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If you choose to pay off your loan sooner, we won’t charge fees or penalties.

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100% ONLINE - 24/7

No queues and no need for any awkward face-to-face meetings.

Common car loan questions

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Can anyone apply for a car or vehicle loan?

In Australia - to apply for a Harmoney 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 photo ID documents such as an Australian driver’s licence or passport available

  • Not have any defaults, judgements or bankruptcies on your credit file

  • Require a minimum $2,000 loan

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

  • Be 18 years or older

  • Be a New Zealand citizen or Permanent Resident

  • Be earning a stable income

The process of applying for a car loan with Harmoney is the same as for most other types of loans and can be completed 100% online.

Do I need to have a deposit before I apply?

No, you can apply to borrow the full amount you need to purchase the vehicle, as well as any related costs such as on-road costs or insurance, if you wish.

We recommend that you only borrow what you need, as if you’ve managed to save some money toward the cost of purchasing a car or vehicle, this could mean you need to borrow less. And the less you borrow, the sooner you can pay off the loan and the less interest you’ll need to pay.

Can I include on-road costs and insurance in my car loan application?

Yes, you can include all costs related to purchasing your new (or used) vehicle.

What type of vehicle can a car loan be used for?

You can apply for a loan to purchase any type of vehicle, including a motorhome, off-road vehicle, motorcycle or electric bike, as long as the purchase itself is legal.

Can I use the loan to buy a car or vehicle privately?

Yes. You can use your personal loan to purchase a car or just about any type of vehicle privately, be that at a car fair, online car dealer, auction site or even a build-your-own kit set car. How you achieve your goal of acquiring the vehicle is up to you, so as long as it’s legal.

Can I use a Harmoney loan to pay off my loan from the car dealer?

A Harmoney car or vehicle loan is for people who are planning to purchase but haven’t done so yet. If you’ve already used finance to purchase a vehicle, there could still be options to help you – such as a Harmoney debt consolidation loan to refinance your car loan.

Get moving today

Apply for a vehicle loan and take control of your car financing.

About car and vehicle loans

A car loan is a personal loan you can use to purchase a car or other type of vehicle. While many car loans have features in common, it’s important to know the differences so you can make sure you choose the right loan for your needs.

Unsecured car loan

With an unsecured car loan, the lender doesn’t use the vehicle (or any other asset) as security for the loan.

All car loans and other personal loans offered by Harmoney are unsecured.

Secured car loan

With a secured car loan, the car or vehicle purchased (or sometimes another asset like a property) is required as security for the loan. This asset can then be repossessed by the lender if the loan goes into default (isn’t repaid), so the lender can recover their money.

Harmoney does not offer secured loans.

Car finance

Car finance offered by dealerships and other sellers is simply another term for a personal loan that’s used to fund a car purchase. Like any personal loan, car finance offered by a car yard needs to be carefully considered so you know what you’re getting into.

You should ask questions such as: Is the loan secured or unsecured? What are the fees and are they reasonable? What are the monthly repayments and the loan term? Is the interest rate fair?

If you find yourself in a car finance deal that you’re not comfortable with, you could be better off refinancing your existing car loan for something more suitable. Find out how a Harmoney debt consolidation loan could help.

Car lease

A car lease is different from a car loan and is a common alternative. Rather than borrowing money to purchase a vehicle, a car lease arrangement is more like borrowing the car itself.

The person leasing enters into an agreement (usually with a leasing company) to have use of the car for a period of time (e.g. 3 years) and makes regular payments over that time. At the end of the lease term, the car is returned to the leasing company and the arrangement ends.

Sometimes, the person leasing the vehicle is able to purchase it from the company for a reduced or negotiated price, or they may choose to enter a new leasing arrangement for another (usually newer) car.

Car leases are common in business, as they can offer certain tax benefits that make leasing cost-effective.

Types of personal loans

If you have a goal in mind, we can help you achieve it.

personalised rates v8

From college fees to books and equipment, get help financing your personal development with an education costs loan from Harmoney.

Find out more

debt free v5

If you’re struggling to manage multiple loans, credit cards or other debt, combining them in a consolidation loan could help.

Find out more

unsecured car v3

Whether it’s a new or used car, ute, motorbike or other vehicle, a vehicle loan lets you negotiate with the power of a cash buyer.

Find out more

make memories v2

Get help financing your getaway with a holiday loan that covers airfare, hotels, car rental, food and drink and unforgettable experiences.

Find out more

simplify v9

Whether you’re starting a new business or need help with cash flow or investments, a small business loan can be a useful lifeline.

Find out more

stress less v3

If you have a medical emergency or need help with hospital bills, a medical loan can reduce financial stress so you can concentrate on recovery.

Find out more

start now

Whatever renovations you’re planning, a home improvements loan can give you the quick cash you need to make your vision a reality.

Find out more

wedding prepare

You don’t have to let finances hold back your dream wedding when you take out a personal loan to fund your big day.

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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