You've earned a break

You've earned a break

You've earned a break

Don’t let expenses stop you from making lifetime memories. Let the Investors on Harmoney’s Marketplace help you make it an adventure to remember.

100% online. No obligation to proceed.

What is Harmoney?

Harmoney is Australasia's number one marketplace lending website. It's a place where people who want to borrow can deal directly with people who want to invest. This efficient model means Investors can fund Borrowers' loans without the need for an intermediary, leaving everyone better off.

How does it work?

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Step 1:

A Borrower applies for a holiday loan through Harmoney. When we approve the loan, they can list it in the Marketplace.

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Step 2:

Investors decide whether they want to fund the loan, and by how much. They will invest until the loan is fully funded.

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Step 3:

The Borrower repays the holiday loan over a 36 or 60 month term via Harmoney.

Why get your holiday loan through Harmoney?


100% online application.

No need to spend your lunch break in a queue. You can start our 100% online application whenever you are ready.


Personalised rates.

One size doesn't really fit everyone. So you get a rate that's tailored to your situation – from 6.99% p.a. (7.69% p.a. comparison rate)*.


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

All loans through the Harmoney Marketplace are unsecured, so you don't need to put down your house or car as collateral. 

How much do you need to borrow?

Whether you want $5,000 for a honeymoon, or $70,000 for the holiday of a lifetime, there are Investors ready and willing to help you. Apply for a holiday loan through Harmoney, and if you're approved, we'll be able to give you a no-obligation quote based on your circumstances. Check our interest rates and fees

What are my repayments on a holiday loan?

Our travel loan calculator can help you visualise what your repayments could be over a 36 or 60 month term. With interest rates starting from 6.99% p.a. (7.69% p.a. comparison rate)*, and no penalties for early repayment, a holiday loan with Harmoney is an economical way to fund your holiday. Try the personal loan calculator

Who are we?

Harmoney is Australia's newest marketplace lending website. We connect people who want to borrow money with those who want to invest in loans. Our Marketplace provides a simple way to get a holiday loan, 100% online* and 100% funded by Aussies. Find out more about Marketplace Lending.

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

Holiday loan FAQs

What can I use my travel loan for?

So long as what you're doing is legal, it's up to you how and where you spend your money. Whether it's a road trip across the States, a backpacking trip through Europe or a family holiday to Japan, a holiday loan through Harmoney could be your ticket out of here.

Harmoney can provide loans from $5,000 all the way up to $70,000 on 36 or 60 month terms, whether you're grabbing a hot deal or you want to make sure you have the perfect break, bells and whistles included.

Can I apply for a loan if I don’t live in Australia?

To be eligible for a loan, Borrowers must be an Australian citizen or permanent resident, with an Australian driver license, Australian passport or a New Zealand citizen with New Zealand passport, a current Australian physical address and an Australian bank account. If you're outside the country on holiday, but you are an Australian citizen or permanent resident, or a New Zealand citizen, you can still apply.

How are Harmoney loans structured?

Harmoney offers loans from $5,000 to $70,000 on 36 or 60 month terms, with simple monthly repayments. With no early repayment penalties, you have the flexibility to pay out your loan early if you have the chance.

To find out how much you could be approved to borrow, and what interest rate will apply to you, just complete our 100% online application. If successful, we’ll let you know how much you’re approved to borrow, what your interest rate will be, and how much your one-off Platform Fee is. As long as you make all your repayments on time and in full, there'll be no other fees for the service, even if you want to pay out the loan early.

Read more about our interest rates.

What is Harmoney?

Harmoney is a revolutionary marketplace lending website that brings together people looking for personal loans with those who are willing to fund them. We were founded as New Zealand's first ever licensed marketplace lending website in 2014, and since then we’ve become a world leader – the largest and fastest growing in Australasia. 95% of loans that go live on our Marketplace are funded by Investors within 24 hours, and with interest rates starting from 6.99% p.a. (7.69% p.a. comparison rate)*, our loans can be more convenient than going through a bank or using a credit card.

Read more about our team and company story.

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.