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$10,000 Car Loan over 3 years

A $10,000 car loan over 3 years — see your estimated repayments.

Fixed-rate car loans from $2,000 to $100,000, secured against a car or motorbike. Check your rate in as little as 3 minutes without affecting your credit score.

5.66%to21.99%p.a.interest rate15.66%to22.92%p.a.comparison rate3

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92,161customers across Australia and New Zealand

What we offer

Secured interest rate15.66% p.a. – 21.99% p.a.
Secured comparison rate35.66% – 22.92% p.a.
Loan amount$2,000 – $100,000
Loan terms3, 5 and 7 year terms
Repayment frequencyWeekly, fortnightly, or monthly
Establishment fee4$0, $275 or $575
Early repayment fee$0
Rate typeFixed rate
Loan typePersonal Loan / Car Loan
Fast funding6As little as 7 minutes

Calculate your repayments

$2K$100K

Estimated repayments

$80.02weekly
$160.04fortnightly
$320.09monthly
Interest rate
5.66% p.a.
Comparison rate
5.66% p.a.
Establishment fee
$575
Total repayable
$11,523

Check your rate

Awards & recognition

Finder 2026 — Best Car Loan - Used Cars. Outcome: winner.
Finder Awards 2026 Winner — Best Car Loan, Used Cars

How your rate is determined

Your rate is analysed just for you, based on your credit profile and the security provided by the vehicle. Checking your rate is a soft inquiry — it will not affect your credit score.

Harmoney offers two ways to finance a car. A secured car loan uses the vehicle as collateral — registered as security — which typically means a lower interest rate. An unsecured personal loan does not require the vehicle as security, giving you more flexibility but at a higher rate. In both cases, your rate is fixed for the life of the loan, and there are no early repayment fees.

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Browse by term

3 years

$10,000 over 3 years

5 years

$10,000 over 5 years

7 years

$10,000 over 7 years

What our customers say

4.8from 20,965 reviews
★★★★★
ShopperApproved (18,693) · Google (1,905) · ProductReview (367)
★★★★★

“Very easy process and simple to apply”

Phillip D.
4 days agoGoogle
★★★★★

“Wow, These guys were super easy to deal with and the whole process was painless and super quick 👍🏼👍🏼👍🏼👍🏼👍🏼”

Timm M.
5 days agoGoogle
★★★★★

“Quick and Easy to follow - takes only a few minutes. Harmoney's the best”

Iain T.
1 week agoGoogle
★★★★★

“Couldn't believe how simplified they had made it and stress free for me. I am very satisfied with them.”

Ken
1 week agoGoogle
★★★★★

“Ease of use , excellent rates, very quick to repond to emails.”

Dan M.
1 week agoGoogle
★★★★★

“Wonderful customer service great people to deal with & a great rate”

Tanya M.
2 weeks agoGoogle
★★★★★

“Such an easy process”

Paul H.
2 weeks agoGoogle
★★★★★

“Always easy and fantastic results”

Michael G.
2 weeks agoGoogle
★★★★★

“I can't recommend Harmoney enough for their thorough yet simple process. They are the only ones willing to give me a second chance and consider my loan application. To those in desperate need, please consider this company – they are truly amazing, and I have no words to express my sincere gratitude for what they have done for me.”

Geraldine E.
2 weeks agoGoogle
★★★★★

“I had a really good experience with Harmoney from start to finish. The team was friendly, professional, and always happy to answer my questions. They took the time to work with their credit team and were able to negotiate a better interest rate for me, which I really appreciated. The whole process was straightforward, communication was excellent, and I never felt pressured. They kept me updated every step of the way and made everything easy to understand. Thanks again to everyone at Harmoney for all your help and support. I really appreciate everything you’ve done for me, and I’d definitely recommend Harmoney to anyone looking for a personal loan.”

Taio
3 weeks agoGoogle
★★★★★

“Amazing service, very efficient. Quoted, approved and received money all in 30 mins.”

Shariq A.
3 weeks agoGoogle
★★★★★

“Very understanding & easy process very happy”

Michael P.
4 weeks agoGoogle

Am I eligible?

To get a quote in Australia:

  • ✓You must be 18 years or older.
  • ✓You must be an Australian citizen, a Permanent Resident, a New Zealand citizen.
  • ✓Your credit file must not have any defaults, judgments or bankruptcies.
  • ✓You must have paid employment (which may include self-employment).
  • ✓You need to borrow at least $2,000 with your loan.
  • ✓You need to have photo identification documents such as your valid Australian passport or driver's licence, to hand.

If you are not eligible now, you may be in the future.

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Frequently Asked Questions

To apply for a Harmoney personal loan in Australia, you must be 18 years or older, be an Australian citizen, a Permanent Resident, a New Zealand citizen, have paid employment (which may include self-employment), and your credit file must not have any defaults, judgments or bankruptcies. You need to borrow at least $2,000 and have photo identification such as your valid Australian passport or driver's licence. Meeting these criteria does not guarantee approval — Harmoney conducts an individual credit assessment under responsible lending obligations.
No. Checking your rate with Harmoney is a soft inquiry, which does not appear on your credit report and does not affect your credit score. You can check your rate without any commitment. A hard credit inquiry only occurs if you choose to proceed with a full application after reviewing your personalised rate and loan terms. This two-step process lets you see your options before making any decisions.
Harmoney charges an establishment fee of $275 for loans up to $4,999 and $575 for loans of $5,000 and over. Some applicants with strong credit profiles may be eligible for a $0 establishment fee. There are no monthly fees and no early repayment fees. 4
Harmoney secured vehicle loans are available from 5.66% p.a. to 21.99% p.a. (comparison rate 5.66% p.a. to 22.92% p.a.). The vehicle must be registered as security on the Personal Property Securities Register (PPSR), and comprehensive motor vehicle insurance is required. Secured rates are typically lower than unsecured because the vehicle serves as collateral. The rate offered to you depends on your individual credit assessment. 1
In Australia, there is no general statutory cooling-off period for consumer credit contracts under the National Consumer Credit Code. Once you sign your loan contract and funds are disbursed, the contract is binding. However, Harmoney charges no early repayment fees on any product, which means you can repay your loan in full at any time with no penalty. If you repay shortly after disbursement, you would only owe the interest accrued for the days the loan was outstanding plus the establishment fee. Harmoney recommends seeking independent financial advice before committing to any loan. If you believe Harmoney did not adequately disclose the terms of your loan or did not meet its responsible lending obligations, you can raise this with Harmoney directly or escalate to the Australian Financial Complaints Authority (AFCA).
To apply for a Harmoney personal loan in Australia, you need to be at least 18 years old, be an Australian citizen or permanent resident, be currently employed or self-employed, and have a clean credit history (no defaults, court judgments, or current bankruptcies). You will need a valid form of identification (passport or driver licence) and access to your online banking so Harmoney can securely verify your income. There are no paper documents to upload — the entire process is online.
If illness or injury affects your ability to make repayments, contact Harmoney as early as possible. Harmoney has a dedicated hardship team that can discuss options with you, which may include reduced repayments, a temporary pause on repayments, or an extended loan term. Under the National Consumer Credit Protection Act 2009, you have the right to request a hardship variation if you are experiencing financial difficulty. To apply, contact Harmoney at 1300 042 766 or customerservice@harmoney.com.au. If you are not satisfied with the response, you can escalate to the Australian Financial Complaints Authority (AFCA) at 1800 931 678 or afca.org.au.
The Personal Property Securities Register (PPSR) is an Australian government register that records security interests in personal property, including vehicles. When you take a secured car loan with Harmoney, the vehicle is registered on the PPSR to record that it is used as collateral for the loan. This registration protects both you and the lender — it prevents the vehicle from being sold with outstanding finance and ensures any buyer can check whether a car has existing security interests. Registration must be completed within 60 days of your loan being funded. There is no fee from Harmoney for the PPSR registration. You can search the PPSR yourself at ppsr.gov.au before buying a used car to check whether it has existing finance owing.
If you are experiencing financial difficulty, contact Harmoney as soon as possible at 1300 042 766 or customerservice@harmoney.com.au. You can apply for hardship assistance even if your loan is already in arrears. Under the National Consumer Credit Protection Act 2009 (s 72), you have the right to request a hardship variation if you are unable to meet your repayment obligations. Harmoney will generally respond to your request within 21 days. If we need more information from you, we will request it within 21 days and provide a final decision within 21 days of receiving it. If you do not provide the requested information within the timeframe specified, Harmoney will make a decision within 28 days of the original request for information. Options may include reducing repayment amounts, extending the loan term, or temporarily deferring repayments. If you are not satisfied with Harmoney's response, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA, member 43816) at https://www.afca.org.au. For free, independent financial counselling, call the National Debt Helpline at 1800 007 007.
If you have a complaint, contact Harmoney first at 1300 042 766 or customerservice@harmoney.com.au. Harmoney will acknowledge your complaint and aim to resolve it through our internal dispute resolution (IDR) process. Harmoney aims to resolve complaints within 30 days, or 21 days if your complaint is about financial hardship or a default notice. If you are not satisfied with the outcome, or if Harmoney has not resolved your complaint within these timeframes, you can escalate to the Australian Financial Complaints Authority (AFCA). AFCA is a free, independent external dispute resolution scheme. You generally have 6 years from when you first became aware (or should reasonably have become aware) of the loss to escalate to AFCA, or 2 years from our final IDR response. You can contact AFCA at https://www.afca.org.au or write to GPO Box 3, Melbourne VIC 3001. Harmoney's AFCA membership number is 43816.