You've earned
a break

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.

Do you need a holiday?

Whether you’re jet-setting solo on your big overseas adventure, or taking the kids away for a family holiday, holiday costs can add up quickly. Flights and accommodation can be expensive enough, but then there’s entertainment costs, eating out every day and your end-of-holiday bar bill. Don’t let the expenses stop you from making lifetime memories.

Start an application now
Apply now
Or call 1300 042 766 (9am - 6pm)
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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. If you need money for a holiday, let us know 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

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$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 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)

Getting a holiday loan through Harmoney is simple.

Using your travel loan

It’s simple. If you’re planning a holiday but don’t want to put it all on your credit card, a holiday loan through Harmoney could be a great alternative. With personalised interest rates and no early repayment penalties, a holiday loan through Harmoney could be just what you’re looking for. Plus, Harmoney only offers unsecured loans so you won’t have to put your home or car on the line.

Calculate your travel loan

Just use our simple loan calculator to start your obligation-free application for up to $70,000. Get an indication of what your repayments could be, then continue on to find out how much you could be approved to borrow, and what rate could apply to you. Use the personal loan calculator.

Using your travel loan

Road trip across the USA, see the sights in Europe, or take a break in the islands; whether you’re planning to travel the world or just take a weekend away, a Harmoney holiday loan could take you just about anywhere.

Travel finance for your big trip

Planning to travel the world? Go backpacking through Asia, take in the history of Europe, take a drive down Route 66. Wherever you’re dreaming of going, a Harmoney travel loan could help you get there.

What options do I have for paying off my loan?

Harmoney offers loans on a standard 36 or 60 month term. Loans come with a standard monthly repayment, but our team can usually arrange more frequent payments to suit you. Plus, with no early repayment penalties, you get the freedom to pay off your loan early.

Loan repayments and Fees

We’re completely transparent and upfront about the fees and interest rates that apply. All Harmoney personal loans have personalised, fixed interest rates range from 6.99% — 28.69% p.a. (Comparison Rate 7.69% — 29.55% p.a.)*. Interest rates are set based on the risk grade assigned to each Borrower during their application, ranging from A1 to F5.

If your repayments are always on-time and made in full, the only fee you’ll pay is the Establishment Fee. Read our interest rates and fees schedule to see for yourself.

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.