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Personal loans Top up

Top Up

Need more money to get started?

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

Harmoney Top Up

At some point, you may need more money to meet your goals. To help finish a project you've started, or to get going on something new. If you have plans, a Harmoney Top Up may be just what you need to bring it to life.

Borrow additional money

With Harmoney Top Up, you could apply to refinance your existing loan to borrow additional funds. It is a feature offered to customers who, having demonstrated an excellent track record of on-time repayments, may be eligible to apply to borrow money additional to their exisiting loan.

How to become eligible

Here are some tips to help you get Top Up.

Keep in mind that applications are assessed individually, and there are other factors that may affect 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, or in respect of other creditors such as your utility provider or other lenders.
  • Work towards a favourable credit history. Among other things, this is influenced by credit enquiries and payment defaults to any credit or service provider.
  • Try to improve your income and/or reduce your outgoings. This reflects on whether or not a Top Up will be within your financial means.

Take the journey

1. Begin the journey

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

2. Wait to be notified

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. If you are eligible we'll notify you by email and an invitation banner will appear on your borrower dashboard.

3. Apply for Top Up

In case your circumstances have changed, we ask you to go through the finances part of our application process again. Then we will let you know if you have been approved for a change to your interest rate and borrowing limit.

Keen to apply for Top Up?

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

We have your interests at heart

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We look carefully at the numbers to be sure you can comfortably afford your repayments.

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An application that can be completed anytime, anywhere on any device.

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All our loans are unsecured, which means you don't need to offer security on your loan.

Common questions about Top Up

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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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