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Personal loans Motorhomes


Start enjoying life on the road.

Fixed personalised rates from 5.35%¹ (comparison rate 6.14%)²

Our latest awards
finder award 2019 v2
mozo award 2018
rate city 2020 v2
mozo award 2017 v2

We know buying a motorhome is expensive

That's why we're here to help you find the one that's right for you, so you can travel the country like never before.

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A loan to buy a motorhome now could help you finance years of affordable family holidays or find freedom in retirement.

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You could have your funds within a couple of days without the need for any awkward face-to-face meetings.

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Our loans are unsecured so there's no need to put your new motorhome, or any other asset, on the line.

What our customers say

5.0 Fast efficient and easy approval and admin of the loan. Thank you Harmoney! australia
5.0 I am loving harmoney. Thank you australia
5.0 Thank you very much Harmoney. This is the best loan service I have wver encounteres. You made it so quick and easy and I have to specially commend your beautiful and very accommodating staff! australia
5.0 What an amazing easy loan consolidation. thankyou. australia
5.0 Unbelieveable service all done online and approved in minutes. I am a Lifetime Harmony Customer...Well done guys. Great work. australia
5.0 So far very helpful and hoping I get the loan australia
5.0 I am satisfied with the customer service, the team at Harmoney treated me kindly and gave me enough information to make my decision. I got my loan early than expected. Good team australia
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5.0 Such a straight forward and easy process. Great communication, no hidden fees/costs on ongoing data collection. My loan was approved, but I would highly recommend even if it got declined. Great work. australia
5.0 Harmoney was very quick and easy to access the loan amount Queensland , australia
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5.0 It was great that my maximum approved loan amount was in my dashboard as I decided to increase my loan amount before signing the contract. It was so easy to do! Thank you australia
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5.0 very grateful for Harmoney Loan term.its really help out in this time of need and also in the long run.thanks Harmoney australia
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5.0 Everyone that I have delt with was very helpful. It made the experience so easy. Thank you Harmoney. australia
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5.0 Have not issues so far, been dealing with Harmoney for a few years now. australia
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5.0 Fast and easy, thanks Harmony australia
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5.0 Dealing with Harmoney over the last few years has been a pleasure. Very fast, very easy and a great interest rate. Queensland, australia
5.0 Very easy pleasant process. I would highly recommend Harmoney to anyone! australia
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5.0 I am very pleased with the whole application process and as an existing customer the top up for financial support is absolutely amazing. Self managing my application and finances allows me to get more value out of my money. australia
5.0 very quick and understandable in terms of financial agreements and loan approvals. 6 stars australia
5.0 HARMONEY IS AMAZING Qld, australia
5.0 Quick and easy to apply and manage my loan. Support staff are always willing to help. australia
5.0 Nice easy process and flexible terms suited me to be able to pay the loan off sooner work really well for me. Now to get my car fixed finally!!! australia
5.0 Easiest & most simple, efficient loan service I've ever used. australia
5.0 Harmony personal finance and their work amazing australia
5.0 This was quick, easy and thorough. I was contacted promptly for additional information. I am drawn to this company because I am able to pay off my loan early and without penalty. Thanks Harmoney. australia
5.0 This is one of the best loan provider . australia
5.0 The experience was quick and easy. Harmoney did all the hard work and issued me with an approval within 24 hours. Amazing australia
5.0 Thanks to Harmoney for helping me start my business. australia
5.0 Found Harmoney on line and it is Easy to use and fast, thank you australia
5.0 Harmony are great to deal with and make the process easy.
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5.0 I never expected how faster it takes as it's straight forward and easy to understand. I will definitely recommend Harmoney to all my family and friends australia
5.0 Harmoney fair and they won’t let you borrow more they you can afford repayments 5 star australia
5.0 Great loan options thank you harmony australia
5.0 I am very happy to be with Harmoney SA, australia
5.0 Harmoney have trusted me and this means that I can trust them! Thanks Harmoney! australia
5.0 This is the first time I experienced a quick secured online loan application processing. This is by far an excellent service in assessing my application, i highly recommend Harmoney to so many people that requires a brand new start and gain back financial control after the pandemic. Thank you so much to all who have helped me end to end. I could say that they are far more better than any bank I transact with in the past two decades. Victoria, Australia
5.0 Instantly got approved within 24hrs and got my loans consolidated and additional funds in my account within that time frame. Queensland , australia
5.0 This was my second experience with Harmoney and each time it has been a great personal experience. They are a great company and offer simple online interactions. Much appreciated, thank you Harmoney. australia
5.0 I find Harmoney extremely easy to deal with and appreciate that they truly do all their business online which makes it so much easier to organise around work and other commitments. australia
5.0 Very helpful and I got approved quick. Thank you Harmoney australia
5.0 Quick simple. The technology you use to retrieve and track my finances made it easy to complete my application. Thank you. australia
5.0 Best loan experience I have had to date. australia
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5.0 You have a great service, but my approved loan rate is too high. australia
5.0 Very Easy Loan Application
Quick Funds in the bank
Easy helpdesk
5.0 Always very easy to do business with Harmoney. All around a very pleasant experience australia
5.0 A very fast and efficient product to get loan funds for a variety of goods. Highly recommended. australia
5.0 This is our 3rd lone with harmony and the service and speed of the process is amazing. Thanks guys australia
5.0 Thank you to Harmony for assisting me in a time of financial need australia
5.0 Harmoney were excellent from the get go! Definitely highly recommend!! australia
5.0 Awesome self automated website for personal loans.. highly secure, best rates in industry and customer service is quality australia
5.0 So easy, I expected for an online loan that your rates would be outrageous but to my surprise it's a great rate and affordable repayment plan. 5 stars all around! australia
5.0 Harmony was so user friendly hassle free loved the experience australia
5.0 Fast and easy loan, good customer service thnk u Joseph australia
5.0 Harmony has always helped me out whenever I’ve needed it australia
5.0 It's been a pleasure dealing with Harmoney, easy and fast response australia
5.0 Simple and easy process to get a top up to my existing loan. australia
5.0 Harmony has been nothing but stress free and easy! Highly recommend australia
5.0 Harmoney I have heard about you but was scared but now I know you are the best...thank you for the easy guide and prompt service australia
5.0 The Harmoney team are easy to deal with. The process is easy and secure. Thank you! australia
5.0 Thank God for Harmoney. Offered me a far better rate than my own bank would. Ten star service australia
5.0 Very quick and easy application process. It was stress free. I can highly recommend Harmoney as a viable option. I needed a loan quickly to cover urgent overseas medical expenses. Approval was granted in less than 24hrs which gave the patient instant peace of mind. Queensland, Australia
5.0 Extremely professional and no delay with processing loan. australia
5.0 As my first time dealing with Harmony I must say the process from start to finish has been quick, easy and hassle free australia
5.0 The process was very easy and fast. I did not know how much i needed to borrow as the car i wanted was purchased, so i had to look for another. By having my application approved i can now have a car i wished for. Thank you harmony australia
5.0 Thank you so much Harmoney for helping me. You have helped me when no one else would. So easy process and staff were helpful the whole way through. australia
5.0 Every interaction I have had with Harmony has been simple and easy. Thank you all so much for your assistance. Wouldn't go anywhere else australia
5.0 Always easy to deal with, fast approval, will only use Harmoney australia
5.0 Very easy process for applying for a loan australia
5.0 So far harmony have been great easy to use site making it easy for customers australia
5.0 I was surprised how quick and easy the whole process was. I will definitely recommend Harmoney to friends. australia
5.0 Quick turn around. Never any complaints for Harmoney. australia
5.0 Fast friendly and affordable. I'll have my own business and more income from this loan. australia
5.0 I have experienced an excellent service in assessing me in regards with my loan. Very very helpful. Highly recommend to people who needed a service from them. australia
5.0 I can't beleive how fasg harmoney approve loans and customer care team is very polite and helpful australia
5.0 I have used Harmoney for other reasons and always pleased , australia
5.0 so quick and easy to go through and have a clear decision on a loan outcome, australia
5.0 Thank you Harmony for your quick response really appreciate it australia
5.0 Harmoney has come to my family needs. Thank you so much. australia
5.0 It’s hard to believe this I just went through a credit approval process — Harmoney has simplified things that no one else thought to make easier, and it’s so much better australia
5.0 very happy at the speed of the loan and approval australia
5.0 Communication has been excellent from all at Harmoney. australia
5.0 Easy to deal with right from the start very professional. Everything was on line, my loan was approved within 48 hours. NSW, australia
5.0 Thank you Harmoney. No judgement and for your complete trust in me. So thankful for the easy to follow steps and immediate response. australia
5.0 NAB told me "No", but Harmony said "we care about you".
Thanks to Harmony and the team.
5.0 Great experience with Harmoney Qld, australia
5.0 Harmoney makes financial matters so easy. I’ve found it to be easier than dealing with the banks! australia
5.0 It was the easier loan application ever!! Thank you so much australia
5.0 the people that i have dealt with at Harmoney have all been excellent australia
5.0 This user-experience is the absolute best I have experienced in any industry, let alone personal loans. Mind-blowingly well thought out. I’ll be recommending this to everyone australia
5.0 Feels easy and they help me on my loan requirements. They are approachable and quick response. I recommend them to others australia

Simple, 100% online

1. Get to know you

Tell us about your loan, then provide us with some details about yourself and your finances.

2. Get your loan offer

We provide your detailed loan terms with your interest rate, borrowing limit and repayments.

3. Get your money

Accept your loan terms and provide some final details. Most people get their money within 24 hours.

What we offer

$2K - $70K

Loan limits
3, 5 or 7 years

Loan terms
$275 or $575

Establishment fee

Early repayment fee
  • All loans are unsecured
  • Rates from 5.35%¹ (comparison rate 6.14%²)
  • Your rate is fixed for the life of the loan
  • Establishment fee of $275 for loans under $5,000 ³
  • Establishment fee of $575 for loans $5,000and over ³
  • No monthly account keeping or early repayment fees
  • You can repay weekly, fortnightly or monthly

Find out more about our rates and fees

Get the motorhome loan that's right for you

And start planning the first epic holiday in your new "home"

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Our application is 100% online, so like bank branches, paperwork is a thing of the past.

Repayments icon

We offer an interest rate based on your financial circumstances. The better your credit history, the lower your interest rate¹


Personalised rates icon

Most loans are deposited within 24 hours of you accepting your loan terms¹


Quick motorhome loan estimate

Use our personal loan calculator to get a quick estimate of repayments and interest rate.

Common motorhome loan questions

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What type of vehicle can a car loan be used for?

You can apply for a loan to purchase any type of vehicle, including a motorhome, off-road vehicle, motorcycle or electric bike, as long as the purchase itself is legal.

Do I need to have a deposit before I apply?

No, you can apply to borrow the full amount you need to purchase the vehicle, as well as any related costs such as on-road costs or insurance, if you wish.

We recommend that you only borrow what you need, as if you’ve managed to save some money toward the cost of purchasing a car or vehicle, this could mean you need to borrow less. And the less you borrow, the sooner you can pay off the loan and the less interest you’ll need to pay.

Will I need to put up my property or vehicle as security?

No. All Harmoney loans – including our home improvement loans – are unsecured, so you won’t need to put up collateral for your loan.

Can I use the loan to buy a car or vehicle privately?

Yes. You can use your personal loan to purchase a car or just about any type of vehicle privately, be that at a car fair, online car dealer, auction site or even a build-your-own kit set car. How you achieve your goal of acquiring the vehicle is up to you, so as long as it’s legal.

Can anyone apply for a car or vehicle loan?

In Australia - to apply for a Harmoney loan you need to:

  • Be 18 years or older

  • Be an Australian citizen, Permanent Resident or New Zealand citizen

  • Be full-time or permanent part-time employed

  • Have photo ID documents such as an Australian driver’s licence or passport available

  • Not have any defaults, judgements or bankruptcies on your credit file

  • Require a minimum $2,000 loan

In New Zealand - to apply for a Harmoney loan you need to:

  • Be 18 years or older

  • Be a New Zealand citizen or Permanent Resident

  • Be earning a stable income

The process of applying for a car loan with Harmoney is the same as for most other types of loans and can be completed 100% online.

Can I include on-road costs and insurance in my car loan application?

Yes, you can include all costs related to purchasing your new (or used) vehicle.

Apply today

Apply for your motorhome loan today and get ready to hit the road.

Types of personal loans

Personalised rates icon

An education loan can help take the worry out of finances so students can focus on their studies.

Find out more

Car icon

With a car or vehicle loan sorted, you can have cash-buyer confidence to negotiate a deal on your next car or vehicle purchase.

Find out more

Holiday icon

Need a break? A holiday loan you can cover car rental, flights, accommodation, and more, so all you have to do is enjoy yourself.

Find out more

Debt con icon

Simplify debt by rolling multiple debts into one debt. One debt is easier to manage, and you may end up with a lower overall interest rate.

Find out more

Business icon

Take you business to the next level with a Harmoney business loan.

Find out more

Renovation icon

Need more space? Could the house use a fresh lick of paint? Time to get the landscaping done?

Find out more

Medical icon

A medical expenses loan can cover medical procedures and related costs so you can focus on being healthy, happy and well.

Find out more

Wedding icon

Have the wedding day you always imagined with the help of a wedding loan.

Find out more

We're real people and here if you need us

If you need help, just give us a call on 1300 042 766 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

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