# Harmoney Household Items — Australia

Finance your household essentials

A fridge that needs replacing, furniture for a new home, or appliances that have reached the end of their life. Store finance and buy-now-pay-later often come with higher costs than they appear.

The items you need, paid for with one fixed repayment at a rate you know upfront.

A Harmoney personal loan lets you borrow $2,000 to $20,000 for furniture, whitegoods, appliances, or any household purchase. Unlike store finance or buy-now-pay-later, your rate is fixed and transparent from day one.

Harmoney holds Australian Credit Licence 474726.

Typical amount for this purpose: $2,000 – $20,000 — guidance, not a product limit; the loan amount range below applies.

## How household items finance works

- Check your rate: A soft inquiry in as little as 3 minutes — no impact on your credit score.
- Choose your loan: Pick an amount and term that fits your budget.
- Get funded: 93% of approved loans are paid out within 24 hours.
- One repayment: Fixed weekly, fortnightly, or monthly — you choose.

## Getting the best value

**Compare total cost, not monthly payments.** Store finance and buy-now-pay-later may appear cheaper per month but often cost more in total when fees and deferred interest are included.

**Buy quality where it matters.** For major appliances like fridges and washing machines, a more reliable model costs less in the long run than replacing a cheap one in two years.

**Check warranty coverage.** Many whitegoods come with manufacturer warranties of 2 to 5 years. Check what is covered before buying extended warranties.

## Personal Loan (unsecured)

- Interest rate: 5.76% p.a. – 24.03% p.a. (fixed)
- Comparison rate: 5.76% – 24.98% p.a. (NCCP Regulation 100, $30,000 over 5 years)
- Loan amount: $2,000 – $100,000 (increments of $100)
- Terms: 3, 5 and 7 year
- Repayments: weekly, fortnightly and monthly
- Establishment fee: $275 (loans up to and including $4,999) or $575 (loans of $5,000 and over)
- No monthly fees, no early-repayment fee.

### Important information

Harmoney Australia Pty Ltd (ACL 474726, AFSL 474726). Dispute resolution: Australian Financial Complaints Authority, membership 43816.

Comparison rate warning: the comparison rate applies only to the example given (NCCP Regulation 100). Different amounts and terms result in different comparison rates.

The rate offered depends on your individual credit assessment. Fees, charges, terms and conditions apply.