Quick quote in 
92 seconds 

The Quick Quote service provides you with a fixed interest rate and an estimated borrowing amount in minutes, without requiring you to upload your Identity Verification (IDV) or Bank Statements (BS) at the initial quote stage. This gives you a clear and immediate picture of what your loan could look like so you can make an informed decision.

No, a Quick Quote will not impact your credit score.

We run a soft credit check on your credit file to provide you with an accurate quote. This is a quotation enquiry that - although recorded in your credit file - won't be used by credit bureaus to assess your score. A hard credit check only occurs if you commence a loan application. We’ll let you know before we do a hard credit credit check.

The service is designed for both new and existing Harmoney customers.

• New Customers: If you've never had a loan with Harmoney before, you can get a quick, indicative quote.

• Existing and Returning Customers: If you're a current or past Harmoney customer, the QQ service provides you with a quote without you needing to complete a full application, offering a streamlined experience and supporting our goal to reward customer loyalty.

The Quick Quote calculation primarily uses inputs that you declare, such as your net income, living expenses, debt repayments, and accommodation expenses. This is a move towards a more transparent process that relies on the information you provide.

Once our secured auto loan product is released, you will have the option to select a secured vehicle loan and receive an interest rate for it through the QQ service. The unsecured rate will also be displayed for comparison.

To ensure we can provide guaranteed rates with confidence, the number of edits per QQ per customer is limited to two every 60 days. After the second attempt, you will receive the same rate as your second quote for all subsequent attempts.

If you have an active approved application, or a quote has already been offered, you will be directed to complete that application rather than being provided a new Quick Quote. However, if you have an application in progress, you will still be able to complete a Quick Quote.

Yes, the personalised interest rate you receive is locked in and guaranteed for 60 days.

If you're a current or past Harmoney customer, the QQ service provides you with a quote without needing to complete a full application, offering a streamlined experience and supporting our goal to reward customer loyalty.

You are limited to two Quick Quotes every 60 days.

Once you have your quote, you can decide whether to proceed with the full application by creating a Harmoney account. Complete the application in full and receive a quote offer and accept the terms and provide final details.

Adding your spouse or de facto partner is also known as adding a co-borrower.

The Quick Quote service assesses the individual applicant's income, and does not currently cover co-borrower situations. We do compare declared income with bank statements, which can sometimes reflect combined incomes, so it's important that you provide your true, personal net income for the most accurate quote.

It's essential to disclose all your debts, such as mortgages, to ensure we have an accurate understanding of your financial situation. This helps us provide you with a reliable assessment and avoids potential financial risk. If debts are not declared, it can lead to inaccurate financial assessments and may require you to reapply.

No, the Quick Quote provides an estimated borrowing amount and a fixed interest rate. You must complete a full application to get approved for credit, at which point a final approved amount would be determined.

If you have a successful application or an active quote, you will be directed to complete your application rather than getting a new Quick Quote. If you have an application in progress, you will still be able to complete a Quick Quote and receive that rate when you complete your application.

If you have an active loan (meaning the funds have been disbursed) you can get a Quick Quote if you are looking to borrow more.