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How to get a loan for a car purchase in New Zealand?

Get a car loan in New Zealand with Harmoney’s simple, 100% online process. Finance your
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What are the Interest Rates for a Harmoney Personal Loan?

When you’re looking for a personal loan, the interest rate is one of the most important
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What’s in my credit file?

Your credit file is a breakdown of everything finance providers and utility companies need to
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A glossary of credit terms

Baffled by all the different credit terms? Here’s a quick guide to what they mean:
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Five things you didn't know impacted your credit score

Whenever you apply for credit—whether it’s from a bank (even if you’re an existing
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How interest rates and borrowing limits work

There are a number of factors that go into calculating an individual interest rate. A key
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Harmoney
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What is Comprehensive Credit Reporting?

Harmoney was one of the first companies in New Zealand to use positive credit reporting in
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10 ways to improve your credit score

It’s a simple formula: the higher your credit score, the lower your risk of defaulting—
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Understand what impacts your credit score

Here are answers to some common questions around the things that can impact your
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How extending your mortgage can hurt

If you’re thinking of transferring a personal loan to your mortgage, we’d suggest
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Sanity savers for the new work year

Does it already feel like your holiday was months ago? January can be a mixed
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The debt circuit-breaker

The Debt Circuit‑Breaker “It just got to the point where we thought – what are we doing?
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How to Smarten Up About Bad Debt

You’re not alone In today’s world, juggling multiple debts is more common than you
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Why your credit score matters

Your credit file is a record of your credit history - the good and the bad.
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How to Check Your Credit Report

An issue in your credit file could be a reason your application was declined.
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How to Build a Good Credit Score from the Start

A credit score is a relationship you have for life — or at least from the moment you open
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Five credit score myths busted

If you're trying to improve your credit score, you could be doing it all wrong. Here are five
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What Does Your Credit Score Say About You?

It’s important to remember that your credit score is more than an abstract number. our
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Nine things you should know about your credit score right now

Credit score. Two small words with the potential for a big impact on your financial plan
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Rehabilitating your credit file

For lenders your credit file will generally have more influence over your loan application than
Harmoney
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Harmoney Services Limited (FSP593769) is registered under the Financial Service Providers (Registration and Dispute Resolution) Act 2008.

 

By using this website, you are deemed to accept our Customer Service Terms.  

Location
 

Level 3, 110 Customs Street West, Auckland CBD, Auckland 1010

 
Contact

customerservice@harmoney.co.nz

0800 427 666 (0800 HARMONEY)

Terms and conditions

 

1. Loan terms subject to availability.

 

Subject to approval. Harmoney’s interest rates are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.

 

2. You are protected by responsible lending laws. Because of these protections, the recommendations given to you about personal loans are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.


Copyright © 2025. All rights reserved.

 

This website is provided for general information purposes only, and does not take your individual circumstances and financial situation into account. It is not intended to constitute legal or financial advice.