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

  • Loan amount

    $2,000 - $100,000

  • Interest rate from²

    7.99% - 24.99% p.a.²

  • Establishment fee

    $150

  • Repayment frequency

    Weekly, fortnightly, or monthly

  • Loan type

    Unsecured

  • Loan terms

    3, 5 or 7 years¹

  • Early repayment fee

    $0

  • Rate type

    Fixed rate

  • Lightning FAST funding

    Typically less than 5 minutes

  • 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

Estimate includes establishment fee of $150.00

GET A QUOTE

Won't affect your credit score.

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

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Salman Q.
Last Month

Very simple process

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Jason R.
Last Month

Allways easy to complete loan application ...great service

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Ivan P.
Last Month

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!

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Cherry L.
Last Month

always easy and quick process.

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Dark D.
Last Month

average rating is 5 out of 5 Site is well laid out and takes the stress out of the process

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Martin
Last Month

Fast and efficient, no hassles, thanks.

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Foo M.
Last Month

Nice simple process, very open and transparent. And no early settlement fees! This definitely will be my go to if I need money quickly.

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Sandra L
Last Month

Very impressed with the service. Super easy application and super friendly and efficient staff. Thanks so much Harmoney.

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Mark T.
Last Month

Very quick and easy to deal with ,no hassles or stress

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Sal L.
Last Month

Very quick and easy loan application process - was finished in less than 1o minutes.

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Erana C.
2 months ago

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

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Shaun
2 months ago

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.