Learn more about Harmoney

Harmoney is Australia's newest marketplace lending platform that connects people who want to borrow money with those who wish to lend money. Our Marketplace provides a simple way to get a personal loan, online.

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

Medical Expenses Loan FAQs

Why should I apply for a medical expenses loan?

Harmoney's loans can give you that cash boost at a time when money should be the least of your worries. Whether you want to pay surgical bills, see a specialist or try IVF, your costs could be covered by a medical expenses loan funded by the Investors on our peer-to-peer marketplace.

Can I use a medical expenses loan to pay for elective surgery?

After taking out a medical expenses loan through Harmoney, you'll be able to spend it on almost any health-related expenses.

Medical expenses loans can be used to help cover the costs of many elective surgeries. If you're sick of wearing glasses, it could pay for LASIK eye surgery. If you're unhappy with a certain part of your body, you could use the money for cosmetic treatments. If your teeth need some work, it could cover extensive dental work.

Elective surgery can make a huge difference to your confidence and your life, but the public system can leave you waiting for months (or even longer), and while going private is usually faster, medical insurance doesn’t always cover the full cost. With a medical loan through Harmoney’s marketplace, you could take the stress out of funding the care you (or your loved ones) need, and get the benefits of the treatment much sooner.

What is marketplace lending?

Marketplace lending is a revolutionary new way of getting (and funding) personal loans. Our Marketplace connects Borrowers looking for loans with Investors willing to fund them. It’s changing the world of finance with its super efficient and effective model, opening a public market that was previously kept privately within banks and finance companies. Borrowers list their loans on the marketplace, telling Investors what they’d like to do with the money, while Investors get to browse and decide who they want to lend money to, and what percentage of the loan they’re willing to fund. Because our revolutionary system has a low operating cost, many Borrowers are able to get better rates than they would on a credit card or through another supplier, and Investors have the opportunity get better returns that they would on a term deposit, or in shares. Plus, it’s quick: 95% of all loan requests are fully funded within 24 hours of appearing on the Marketplace.

Read more about marketplace lending.

What are the fees for a personal loan?

Before you take out a loan, we want you to know exactly what you've signed up for.

Our loan calculator helps give you an idea of what you might have to pay back on a loan, but submit your full application, and if you’re approved, we’ll provide a fully personalised, obligation-free quote for exactly what you could borrow and the rate that would apply (starting from 8.99% p.a. or 9.70% p.a. comparison rate*), along with what the one-off Platform Fee will be.

So long as you make all your payments in full and on time, you'll know exactly what you have to pay. No hidden fees, no extra charges. Even if you want to pay back a loan early, there are no additional fees.

See our full schedule of interest rates and fees.

What is Harmoney?

Harmoney is Australasia's largest and fastest growing licensed peer-to-peer lending marketplace. 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. Like all good Kiwi inventions, it was only natural that we’d cross the ditch and call Australia home before long. We’re revolutionising the Australian finance industry, connecting Australians who want to borrow money with Investors who’d like to lend it to them.

Learn more about Harmoney on YouTube, or read more about our team and company story.