Customers (and counting!)
100% online
Our AI-driven quote process is 100% online.
No paperwork, no queues and no need for awkward face-to-face meetings.
Super fast
Simply tell us about yourself and your finances and accept the terms to get funded in minutes
Rates tailored to you
Interest rates are based on your individual credit assessment - not one-size-fits-all.
What we offer
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Loan amount
$2,000 - $100,000
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Interest rate from²
7.99% - 24.99% p.a.²
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Establishment fee
$150
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Repayment frequency
Weekly, fortnightly, or monthly
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Loan type
Unsecured
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Loan terms
3, 5 or 7 years¹
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Early repayment fee
$0
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Rate type
Fixed rate
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Lightning FAST funding
Typically less than 5 minutes
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Get your money fast
No queues and no need for awkward face to face meetings.
Get a quick estimate
Loan Amount
You can apply to borrow $2000 - $100000
Loan Term
Credit history
Your repayment estimate
$0.00
Weekly repayment
How to apply
01
Get to know you
Tell us about the personal loan you want, then provide us with some details about yourself and your finances.
02
Get your quote
We’ll give you a detailed quote with your interest rate, borrowing limit and repayments.
03
Get your money
After accepting the terms and providing some final details, most people receive their money in less than 5 minutes after loan acceptance.
Won't affect your credit score.
Lightning FAST ⚡
Instant quotes, zero paperwork
Our AI-driven quote process is 100% online and paperwork-free. Get answers in seconds, so you can keep moving forward.
$2,000 to $100,000
Our unique AI will assess your needs and finances to offer you an affordable personal loan that suits your lifestyle.
Personalised for you in a flash
Our smart technology tailors your quote instantly – just answer a few questions, and let AI do the rest.
Lightning fast approvals
Get a quick quote in minutes and in most cases loans are funded in less than 5 minutes. It’s that easy!
How customers rate us
4.8 out of 5 stars - based on 39,798 reviews
4.8
37,009 Reviews
4.7
173 Reviews
4.7
2,616 Reviews
What our customers say
Very simple process
Allways easy to complete loan application ...great service
Outstanding service at all stages of a loan, always very fast and efficient - from loan application to closing/paying it off. The team at Harmoney is amazing, thank you!
always easy and quick process.
average rating is 5 out of 5 Site is well laid out and takes the stress out of the process
Fast and efficient, no hassles, thanks.
Nice simple process, very open and transparent. And no early settlement fees! This definitely will be my go to if I need money quickly.
Very impressed with the service. Super easy application and super friendly and efficient staff. Thanks so much Harmoney.
Very quick and easy to deal with ,no hassles or stress
Very quick and easy loan application process - was finished in less than 1o minutes.
Excellent service so easy to do. Really pleased with how quick and efficient it was to get a loan. Thank you all very much. Too be able to do debt consolidation to pay off my loans all at once is really great. Kind regards Erana
This star review is for Marija. After filling out the form for a free quote online, it was initially a bit frustrating to receive email responses from Australia, with no Austrialian Harmoney personal email address or profile image associated with the person's name. It was really great to receive a response from someone at the NZ office — a real person, with their own Harmoney email address and profile image! It was reassuring to reply directly. When my quote was initially approved for a higher amount than I originally requested, I was only shown a "Continue" button to proceed. It felt initially daunting to click it, coz i thought it was going to accept that higher amount & also without seeing the terms upfront. Marija was incredibly helpful in addressing my concerns. She provided example screenshots showing of what appears beyond the point of clicking the "Continue" button, that you can respecify the amount you want(up to max amount) and that the terms are shown to me to print/download them, before reaching the final "Agree" button to accept them. That reassurance made such a huge difference in further progressing my application. Wonderful Marija! 👍
Eligibility Criteria
To get a quote in Australia;
You must be 18 years or older.
You must be a New Zealand citizen, Permanent Resident or Australian 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 to licence, to hand.
If you are not eligible now, you may be in the future.

