Top Up

Take the journey to financial freedom with Harmoney Top Up.

Earn your way to a better interest rate and higher borrowing limit.*

What is Harmoney Top Up?

Top Up lets you refinance your existing Harmoney loan to borrow additional funds.*

It is a feature offered to certain Borrowers who, having demonstrated an excellent track record of on-time repayments, may be eligible to apply to borrow money additional to their existing loan.

At some point, you may need more funds. Maybe you need it to complete the project you're using your current loan for. Perhaps you have a new goal to achieve. When it happens, Harmoney Top Up may just be what you need.

Earn your way to a better rate and higher loan limit*

If you are able to successfully maintain at least 6 consecutive monthly repayments and maintain or improve your credit score or financial situation, you may be eligible for the same or lower interest rate, and higher borrowing limit.*

How to become eligible for Harmoney Top Up

Below are the main things you could work on to help the result of your Top Up application. Keep in mind that applications are assessed individually, and there are other factors that may affect the result of your application.*

  • Maintain at least 6 months consecutive repayments on your Harmoney loan.

  • Ensure you meet all your financial obligations and do not miss payments on your Harmoney loan, as well as other creditors such as your utility provider or other lenders.

  • Work towards a favourable credit history. Things that influence your report include credit enquiries and payment defaults to any creditor or service provider.

  • Maintain a favourable credit history. Ensure your records show a low likelihood of default or failing to make payment obligations.

  • Try to improve your income and/or reduce your outgoings. This reflects whether or not a Top Up will be within your financial means.

Take the journey


Work towards a good credit history, track record of on-time repayments and financial situation.


We review your situation regularly to see how you're going with your loan, and after six months, we'll assess your eligibility to apply for a Top Up. Borrowers who are eligible to apply will be notified by phone or email.


As a Responsible Lender, we will require all Top Up applicants to go through the application process again.

Keen to apply for Top Up?

Find out if you're eligible to apply for Harmoney Top Up by logging in to your account. If you're eligible to apply, it will show the green Top Up ribbon on your dashboard.

Sign in to check if you're eligible
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Or call 1300 042 766 (8am - 5pm)

Frequently asked questions

What if my circumstances have changed since applying for my original loan?

It all depends on what has changed and how it has changed; when you apply to Top Up your loan, we will reassess your financial situation – if you have remained the same, or improved your credit and financial situation, you may receive a lower interest rate. However, if you have gone the other way, your application for a Top Up may be declined.

Will my interest rate change?

Possibly. As above, we will reassess your financial circumstances and if your credit and financial situation is in the same or better position than when you applied for your original loan, you could be assigned a new interest rate.

What fees will there be?

There will be an up-front, one-off Establishment Fee of $275 for loans under $5,000, or $575 for loans $5,000 and above.

What term will apply?

Harmoney loans can be taken over three or five years. However we don't charge break fees, which means you can pay your loan off early, without penalty.

Why do I have to get a new loan?

We combine your original loan amount and the Top Up amount to create a new loan because topping up changes the terms of your original loan contract.

Does the co-borrower on my original loan have to be included in my new topped up loan?

Not necessarily. This will depend on your credit and financial situation at the time you apply for a Top Up loan. You can elect to include the same co-borrower, or no co-borrower. However, depending on your individual circumstances and the amount you wish to apply for, Harmoney may require you to add a co-borrower in order to be approved.

Will this change my payment date?

Your payment date is likely to change as it will be aligned to your new loan agreement.

What if I am paying weekly or fortnightly?

If you are paying weekly or fortnightly, your payments will revert to our standard monthly schedule. This can be configured after settlement of your loan to suit your needs.

Got other questions?

Flick us an email at customerservice@harmoney.com.au or give our friendly customer services team a call on 1300 042 766 (8am – 5pm)