# Harmoney Computer — Australia

Finance a new computer

You need a new laptop or computer for work, study, or your business — but the upfront cost is more than your budget can handle right now.

Your new computer, paid for with one fixed repayment. No store finance, no interest-free traps.

A Harmoney personal loan lets you borrow $2,000 to $5,000 for a laptop, desktop, or technology equipment. Fixed rate, $0 monthly fees, $0 early repayment fees.

Harmoney holds Australian Credit Licence 474726.

Typical amount for this purpose: $2,000 – $5,000 — guidance, not a product limit; the loan amount range below applies.

## How computer finance works

- Check your rate: A soft inquiry in as little as 3 minutes — no impact on your credit score.
- Choose your loan: Pick an amount and term that fits your budget.
- Get funded: 93% of approved loans are paid out within 24 hours.
- One repayment: Fixed weekly, fortnightly, or monthly — you choose.

## Choosing the right computer

**Match the spec to the task.** A laptop for general use and browsing does not need the same specifications as one for video editing or software development. Avoid paying for performance you will not use.

**Consider refurbished.** Manufacturer-refurbished devices often come with warranties and cost 20-40% less than new. This can reduce the amount you need to borrow.

## Personal Loan (unsecured)

- Interest rate: 5.76% p.a. – 24.03% p.a. (fixed)
- Comparison rate: 5.76% – 24.98% p.a. (NCCP Regulation 100, $30,000 over 5 years)
- Loan amount: $2,000 – $100,000 (increments of $100)
- Terms: 3, 5 and 7 year
- Repayments: weekly, fortnightly and monthly
- Establishment fee: $275 (loans up to and including $4,999) or $575 (loans of $5,000 and over)
- No monthly fees, no early-repayment fee.

### Important information

Harmoney Australia Pty Ltd (ACL 474726, AFSL 474726). Dispute resolution: Australian Financial Complaints Authority, membership 43816.

Comparison rate warning: the comparison rate applies only to the example given (NCCP Regulation 100). Different amounts and terms result in different comparison rates.

The rate offered depends on your individual credit assessment. Fees, charges, terms and conditions apply.