Consolidate
into one
simple loan

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.

Consolidating debt — the smart way to simplify your life

Take control of your finances

Making the choice to reduce debt is a big step towards financial freedom. Whether it's cutting up the credit cards or increasing repayments, every bit counts.

Simplify simplify simplfy

No more juggling of numerous interest rates and repayment schedules. Debt consolidation simplifies this into one interest rate, one repayment schedule, and one creditor.

Less stress, more living

If you have a good credit history you may qualify for a lower interest rate with Harmoney. Which frees up more cash for the things you want to do–not paying bills.

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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)

Trust and Security

trust-shield

$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)

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.