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debt consolidation LOANS

Take control of your finances

Personalised rates from 6.99%¹
(comparison rate 7.69%)²

COVID-19: Help and information for our customers

Find out more on our Covid-19 updates page.

Our latest awards
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We know juggling debt can be stressful

That's why we're here to help you tidy up your finances

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With a good credit history, you may qualify for a lower interest rate with Harmoney. That frees up more cash for doing the things you want to do.

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Debt consolidation rolls your debts together, so you only have to deal with one interest rate and  one repayment schedule.

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Making a plan to reduce debt is a big step towards financial freedom. Whether you're cutting up credit cards or increasing repayments, every bit counts.

Simple, 100% online

Step 1. Get to know you

Tell us about your loan, then provide us with some details about yourself and your finances.

Step 2. Get your loan terms

We provide your detailed loan terms with your interest rate, borrowing limit and repayments.

Step 3. Get your money

Accept your loan terms and provide some final details. We send payments to your creditors usually within 24 hours.

What we offer

$2K - $50K

Loan limits
3 or 5 years

Loan terms
$200 or $500

Establishment fee

Early repayment fee
  • All loans are unsecured
  • Rates from 6.99% - 28.69% p.a.¹ (comparison rate 7.69% - 29.55% p.a.²)
  • Your rate is fixed for the life of the loan
  • You can repay weekly, fortnightly or monthly
  • Establishment fee of $200 for loans under $5,000 ³
  • Establishment fee of $500 for loans $5,000 and over ³
  • No monthly account keeping fees

Find out more about our rates and fees

Get the loan that works for you

Spend more time living and less time figuring out how to pay for the things you need

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Interest rates are based on your individual credit assessment, not one-size-fits-all.

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Most people receive their money within 24 hours of accepting their loan terms.

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100% ONLINE – 24/7

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


Get started with Harmoney today

Thousands of clever Aussies are switching to Harmoney to achieve their dreams.

We're real people and we're here if you need us

If you need help, just give us a call on 1300 042 766 or jump on to live chat and one of our more than 30 specialists will be there to lend a hand.

Other ways to contact us Visit our help centre

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Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 28.69% p.a. (Comparison Rate 7.69% p.a. to 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.

2. Comparison rate of 7.69% p.a. to 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.

3. Establishment fee of $200 for loans up to $5,000 and $500 for loans $5,000 and over. Fixed rates range from 6.99% p.a. (Comparison Rate 7.69% p.a.) to 28.69% p.a. (Comparison Rate 29.55% p.a.) on 36 to 60 month terms, with no early repayment penalties.