# Harmoney Other — Australia

Personal loans to start just about anything

Sometimes the reason is straightforward — you need money for something that does not fit neatly into a category.

The funds you need, with a fixed rate and a clear repayment plan.

A Harmoney personal loan can be used for almost any personal purpose. Borrow $2,000 to $100,000 over 3, 5, or 7 years. Your rate is fixed for the life of the loan, there are no monthly fees, and you can pay it off early with no penalties.

Typical amount for this purpose: $2,000 – $100,000 — guidance, not a product limit; the loan amount range below applies.

## How other 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.

## Before you borrow

**Borrow only what you need.** Use the calculator on this page to see repayments at different amounts and terms. Choose the combination that fits your budget without overcommitting.

**Consider the total cost.** A lower repayment over a longer term means more total interest. If you can afford higher repayments, a shorter term saves money.

**Check your rate first.** Harmoney shows you your personalised rate before you commit. It is a soft inquiry — no impact on your credit score.

## 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.