Revitalise your home with Harmoney's fast, simple, and stress-free online renovation loans. Harmoney's personal loans are unsecured, meaning you don't have to put your home up as collateral.
Our renovation loans are designed for speed and convenience. Get an instant, obligation-free quote online that won't impact your credit score. Once approved, you could have access to funds in as little as 5 minutes, perfect for those time-sensitive projects. Forget the hassle of paperwork; our 100% online process means no queues or complicated forms - no builder quotes required.
Transform your home improvement dreams into reality with Harmoney's efficient and competitive renovation loans.
Interest rates from²
5.76
%
p.a.
Comparison rate³
6.55
%
p.a.
Harmoney ranks in Top 10
2023 AFR Most Innovative Awards
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Finance your home renovation with less worry
Investing in your home is investing in your family's happiness.
Our home improvement loans offer flexible terms to suit your needs.
Get a loan up to $100K and bring your vision to life.
UNSECURED HOME RENO LOAN
All our home improvement loans are unsecured, so you don’t need to put your house on the line or wait to build up equity.
LET THE WORKS BEGIN
We don’t need tradesman quotes for your home improvements loan, so there are no delays to getting your loan.
GET YOUR QUOTE FAST
Get a quote for your home improvements today and you could be breaking out the tools in just a few days.
Customers (and counting!)
100% online
Our AI-driven quote process is 100% online.
No paperwork, no queues and no need for awkward face-to-face meetings.
Super fast
Simply tell us about yourself and your finances and accept the terms to get funded in minutes
Rates tailored to you
Interest rates are based on your individual credit assessment - not one-size-fits-all.
What we offer
Loan amount
$2,000 - $100,000
Early repayment fee
$0
Interest rate from²
5.76% - 24.03% p.a.
Loan terms¹
3, 5 or 7 years
Comparison rate from³
6.55% - 24.98% p.a.
Rate type
Fixed rate
Establishment fee⁴
$275 or $575
Lightning FAST funding
Typically less than 5 minutes
Repayment frequency
Weekly, fortnightly, or monthly
Loan type
Unsecured
Get a quick estimate
Loan Amount
You can apply to borrow $2000 - $100000
Interest rate 5.76% (comparison rate 5.76%)
Disclaimer: This calculator provides an estimate only based on the example information provided. Loan term, rates, fees, and repayments may differ on your quote, based on a borrower’s individual credit assessment— see Interest rates and fees for details. This is not an offer, and quotes are subject to terms and conditions, approval and funding availability.
Your repayment estimate
$135.41
Weekly repayment
How to apply
01
Get to know you
Tell us about the personal loan you want, then provide us with some details about yourself and your finances.
02
Get your quote
We’ll give you a detailed quote with your interest rate, borrowing limit and repayments.
03
Get your money
After accepting the terms and providing some final details, most people receive their money in less than 5 minutes after loan acceptance.
Lightning FAST ⚡
Instant quotes, zero paperwork
Our AI-driven quote process is 100% online and paperwork-free. Get answers in seconds, so you can keep moving forward.
$2,000 to $100,000
Our unique AI will assess your needs and finances to offer you an affordable personal loan that suits your lifestyle.
Personalised for you in a flash
Our smart technology tailors your quote instantly – just answer a few questions, and let AI do the rest.
Lightning fast approvals
Get a quick quote in minutes and in most cases loans are funded in less than 5 minutes. It’s that easy!
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334 Reviews
Eligibility Criteria
To get a quote in Australia;
You must be 18 years or older.
You must be an Australian citizen, Permanent Resident or New Zealand citizen.
Your credit file must not have any defaults, judgments or bankruptcies.
You must have paid employment (which may include self-employment).
You need to borrow at least $2,000 with your loan.
You need to have photo identification documents such as your valid Australian passport or driver’s to licence, to hand.
If you are not eligible now, you may be in the future.