Home Improvements Loans
(without all the paperwork!)

Home Improvements Loans (without all the paperwork!)

Home Improvement Loans
(without all the paperwork!)

Getting some work done around the house? A Home Improvements loan through Harmoney could give you ALL the money you need straight away.

Excellent service and quick and I recommend them to anyone. Thank you so much to the staff at Harmoney.

Martin W, NSW. Aug 24, 2017
Shopper Approved


Quick Estimate

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*Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 28.69% 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 submit your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Establishment fee of $500 applies. Some charges may apply — see Rates and Fees for details.

WARNING: This comparison rate applies only to the example or examples given and may not include all fees and charges. 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.

What is Harmoney?

Harmoney is the biggest Marketplace Lending website in Australasia. We help people who want to take out a loan to find people who want to invest in the loan, with no financial intermediary.

How does it work?

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Step 1:

When a Borrower is approved for home improvement loan with Harmoney, they list it in the Marketplace.

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Step 2:

The loan gets funded by multiple Investors, who each contribute small amounts until the loan is fully funded.

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Step 3:

The Borrower repays the loan to the Investors via Harmoney over a 3 or 5 year term.

Why get your home improvement loan through Harmoney?


100% online application.

Apply online at a time that suits you and get a result in minutes. 95% of approved home improvement loans are funded within 24 hours.


Personalised rates.

Rates from 6.99% p.a. to 28.69% p.a. (Comparison Rate 7.69% p.a. to 29.55% p.a.)*. We assess each application individually, so you'll get a rate that's tailored to your individual circumstances.


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

You don't need to sacrifice equity or provide collateral when you apply for a loan with Harmoney, so you won't have to offer your newly renovated house as security.

How much do you need?

Whether you need $5,000 to finish off a project or $70,000 to make some big changes, applying for a home improvement loan couldn't be easier thanks to our 100% online system. Because our loans are unsecured, there's no risk of you losing your improved home, or losing equity.  Start your application now.

Tackle your DIY with $5K to $70K

Whether your renovation plans are to add another bedroom, extend the garage, or maybe do some landscaping, a home improvement loan through Harmoney could save you time and money. Apply for between $5,000 to $70,000 on a 36 or 60 month term, and you could be breaking out the tools in just a few days.

What is Marketplace Lending?

Marketplace lending is the new way to borrow money. It's disrupting the finance industry worldwide, making it simple for people who want to borrow money to find others who are willing to lend to invest in those loans online. Find out more about Marketplace Lending.

What is Harmoney?

We're Australasia's largest and fastest growing marketplace lending website. After our great success in New Zealand, we've brought our revolutionary online marketplace to Australia, giving Borrowers and Investors a simple way to connect using our automated, 100% online process.

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

Home Improvement Loan FAQs

How can a home improvement loan help me?

Home improvements can be expensive undertakings, but the feeling of walking into an updated bathroom, converted attic or landscaped garden can be priceless – not to mention the value it can add to your property. Whether you need $5,000 for a little bathroom rejuvenation or up to $70,000 for bigger projects, you could be digging into those renovations tomorrow – or paying someone else to.

Are there any restrictions on my loan?

You can use the funds from your home improvement loan to fund just about any kind of renovations – so long as they're legal. Whether you're planning to sell and you want to maximise appeal, you're expanding the family and need a new bedroom or extra bathroom, or you're building your dream man-cave, Harmoney's Investors could help you get started. Home improvement is one of the most popular reasons for a loan at Harmoney, and with 95% of loans being funded within 24 hours of their listing, you could be getting started before you know it.

Why choose Harmoney?

Marketplace lending is a revolutionary new way to borrow money, and Harmoney is the fastest growing licensed marketplace in Australasia. Our website connects Borrowers looking for personal loans with Investors who are willing to fund those loans. We became New Zealand's first licensed P2P marketplace when we launched in 2014, and since then we've connected thousands of Kiwi Borrowers and Investors. Now, like all good Kiwi innovations, we've been claimed by Australia. Find out more about our team and our company.

Still have questions?

*The Legal Stuff

Comparison rate 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.