Get the best deal with cash-buyer confidence

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.

Buying a car?

It's no secret – cash-buyers have bargaining power. If you want to negotiate the best price possible for that new car, there's no better way than to walk onto the lot with cash in hand. A car loan funded by Harmoney could give you the bargaining tool you need.

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

Try our calculator — let’s work it out

Try our loan calculator to work out how much money you can borrow and what your repayments will be like with Harmoney.

Loan calculator
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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. If you need money for a car, let us know 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)

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.

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.

Ready to begin?

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

Getting a car loan through Harmoney is simple.

Take control of your finances

Looking for a new car but need some help with car finance? Our simple car loan application is 100% online, and you could have your loan fully funded (and the money in your account!) in as little as 48 hours after approval*.

*Loans that reach full funding before 4pm on a weekday will have funds disbursed that night. Loans that reach full funding on weekends or public holidays will have funds disbursed the following business day.

Fair interest rates

Harmoney provides loans that offer fair interest rates to Borrowers. Our personal loan interest rates range from 6.99% p.a.* to 28.69% p.a.* (Comparison Rate 7.69% — 29.55% p.a.)*, and are set based on your assigned risk grade, tailored to your individual circumstances. Plus, Harmoney only offers unsecured loans, so you won’t have to put your new car on the line.

When you’re looking at car finance it can be tricky to compare car loan options, with some other providers offering low-interest car loans with a catch. Our 100% online application process is obligation-free, so you can find out how much you could be approved for, and what interest rate applies to you, without making any commitments. With Harmoney you even get the flexibility to pay off your loan early with no early repayment penalties. Before committing to your loan you’ll be confident that you already know the interest rates, with our fees outlined in advance.  Read our interest rates and fees schedule to see for yourself.

Fixed Fees and Car Loan Repayments

Have the flexibility to pay off your loan early, with no early repayment penalties. All Harmoney’s loans have a fixed interest rate, so your regular repayment amount won’t increase during the course of your loan. We’re totally open about our fees, with no hidden fine print, so you won’t get stuck with a payment plan you can’t afford.

What is Harmoney?

Harmoney provides a simple way to get a personal loan, online. We operate a 100% online automated personal loan lending platform. If you need help along the way, we have a customer support team just a phone call away.

Applying for a Car Loan

When you apply for a car loan with Harmoney, we will need to verify your ID and your finances. We’ll let you know whether your application is approved, and if so, you’ll be provided with a loan offer. This is where you’ll get to confirm the amount you want to borrow, and select the term of your loan.

Once you’ve reviewed your loan offer, we’ll ask you to share your story – tell us why purchasing this car is so important to you, and why you’re a good investment. Does it mean you can get to work on time? Pick your kids up from school?

Whatever your reason, applying for a personal loan through Harmoney is obligation-free. Our loans are also unsecured, so you don’t have to put your house or car on the line to get the car finance you need.

Why Choose Harmoney Personal Loan for Your Next Vehicle Purchase?

Deciding to purchase a new car, second hand or otherwise, is always going to be a big decision. It’s important to choose a vehicle that’s suited to you and your family’s needs, and that its upfront cost and ongoing maintenance are things your finances can keep up with.

A newer car usually has a higher upfront cost, but fewer ongoing costs, while an older car can be the opposite. In the long run, a cheaper car may cost you more, so it’s important to research the models you’re looking at and do the math.

Once you’ve got all that figured out, calculating the size of your car loan may be a bit easier.

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 the other 30+ specialists.

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.