Put a date on being debt free.

Put a date on being
debt free

Merge your existing debts with a debt consolidation loan through Harmoney’s Marketplace, and put the finish line
in your sights.

100% online. No obligation to proceed.

What is Harmoney?

Harmoney is Australasia's leading marketplace lending website. If you need a debt consolidation loan, you can borrow money directly from people who want to invest, without the need for an intermediary. With marketplace lending, everyone gets a better deal.

How does it work?

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Step 1:

A Borrower applies for a debt consolidation loan with Harmoney. If we approve the loan, it gets listed in the Marketplace.

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Step 2:

A number of Investors choose to fund the loan in small amounts until the loan is fully funded.

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Step 3:

A Borrower then repays these Investors over 36 or 60 month terms via Harmoney.

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Download "10 ways to a better credit rate" and learn how you could improve your credit record by managing your loan well.

Download our eBook

Why get your debt consolidation loan through Harmoney?


100% online application.

Start your simple online application whenever it works for you, with no obligation. 95% of listed loans are funded within 24 hours.


Personalised rates.

You're unique, and so is your interest rate. With Harmoney, your interest rate suits your circumstances, starting from 6.99% p.a. to 29.99% p.a. (7.69% p.a. to 31.95% p.a. comparison rate)*.


Borrow $5K to $70K, unsecured on 36 or 60 month terms.

All our debt consolidation loans are unsecured, so you don't have to offer your car or house as collateral just so you can get your finances in shape.

How can we help?

Whether you want to reduce your monthly repayments or you just want to simplify your bills, you could borrow between $5,000 and $70,000 with an unsecured debt consolidation loan through Harmoney. Apply online to get your personalised interest rate (our rates range from 6.99% p.a. to 29.99% p.a. – 7.69% p.a. to 31.95% p.a. comparison rate*). If your loan is approved, it'll usually be funded within 24 hours. See our interest rates and fees.

What are the advantages of a debt consolidation loan?

If you're thinking about a debt consolidation loan to manage your debt more effectively, Harmoney's debt consolidation loans range from 6.99% p.a. to 29.99% p.a. (7.69% p.a. to 31.95% p.a. comparison rate)*, with a 36 or 60 month term, but you'll also have the freedom to pay your loan off early with no early repayment penalties.

How does debt consolidation work?

If you're paying off multiple loans every month, a debt consolidation could help. Debt consolidation rolls your existing credit cards, personal loans and hire purchases into a single payment with a single interest rate, making paying off debt simpler. Read more about debt consolidation.

Why choose marketplace lending?

Marketplace lending connects Borrowers and Investors through an online marketplace. Instead of dealing with intermediaries, Borrowers can post loan listings and Investors can choose the loans they want to fund. Marketplace lending is changing the way the world lends by using technology to create an automated and 100% online process. Find out more about marketplace lending.

Who are we?

Harmoney is Australia's newest marketplace lending website, connecting people who want to borrow money with those who wish to invest. Our marketplace is a simple way to get a debt consolidation loan funded by Aussies and is 100% online*.

Personal Loans with Harmoney - New Zealand from Harmoney on YouTube.

Debt consolidation loan FAQs

What is debt consolidation?

Sometimes, we all could do with a little help with our finances. We may apply for personal loans, use credit cards, make hire purchases and go into overdraft. Each one of these requires regular repayments, often scattered through the month, and often with different rates of interest.

By taking out a debt consolidation loan, you can roll your existing loans into one to simplify your repayments. You'll have to make just one repayment every month, with a fixed interest rate, which can make it easier to pay off your debt.

Read more about debt consolidation.

What is an unsecured loan?

There are two main types of personal loans: secured and unsecured.

With a secured loan, you need to put down an asset (normally your house or your car) as collateral. If you have trouble paying back your loan, you risk losing that asset. That's not something anyone wants.

All loans on the Harmoney marketplace are unsecured. This means that you don't have to offer anything as security, and by keeping up with payments, you could even improve your credit rating.

What is marketplace lending?

Marketplace lending is a revolutionary change in the finance world. The Harmoney marketplace connects Borrowers and Investors – so those looking to take out a debt consolidation loan and those looking to fund loan are in the same place.

Once a debt consolidation loan is approved, it's listed in the marketplace. Investors can decide whether they want to invest in that loan, and what proportion of the loan they want to fund. The whole application is done online and 95% of Harmoney loans are fully funded after being in the marketplace for less than 24 hours.

Find out more about marketplace lending.

What is Harmoney?

Harmoney is the largest and fastest growing marketplace lending website in Australasia. Having already seen great success in New Zealand, we've now opened up in Australia. Whether you need an extra $5,000 to manage your debts comfortably, or up to $70,000 to cut up all your credit cards, our marketplace is a simple way to get a debt consolidation loan. Everything is done online, and by cutting out the bank and credit card providers, you could save a lot of time.

Still have questions?

*The Legal Stuff

Comparison rate of 7.69% 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. Subject to approval. Credit criteria, fees, charges, terms and conditions apply. Harmoney's interest rates are offered based on the individual borrower's credit assessment according to Harmoney's credit scorecard. To apply for a personal loan through Harmoney, you must be an Australian citizen or permanent resident or a New Zealand citizen aged 18 years or older with a valid Australian driver licence or valid Australian or New Zealand passport or an overseas passport with a valid visa. You must have an acceptable credit record, as determined by Harmoney at its discretion.