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Personal loan

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What about a loan for home renovations or improvements?

Planning a home renovation in New Zealand? A Harmoney unsecured personal loan is a
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Can I get a personal loan for a holiday or travel?

Yes, a Harmoney personal loan is a great way to fund a holiday or travel. Get fast funding with
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What are the Eligibility Criteria for a Personal Loan with Harmoney?

Applying for a personal loan can be a big step, and the first question many people have is
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What is an Unsecured Personal Loan in New Zealand?

When you're exploring your borrowing options in New Zealand, you'll often encounte
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What are the Eligibility Criteria for a Personal Loan with Harmoney?

Applying for a personal loan can be a big step, and the first question many people have is
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Where Can I Get a Loan with Fixed Interest Rates in New Zealand?

Looking for a fixed interest rate loan in New Zealand? Harmoney offers fixed-rate
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What happens after my personal loan is approved?

Your Harmoney loan is approved—what's next? Learn the simple steps to sign your
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How Long Does It Take to Get a Personal Loan Approved with Harmoney?

Get your Harmoney personal loan approved fast. Our 100% online process provides an
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What is the Minimum Income I Need to Get a Personal Loan in New Zealand?

Learn about the income requirements for a personal loan in New Zealand. Discover
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How Do I Use a Personal Loan Calculator to Estimate My Repayments?

Learn how to use Harmoney’s personal loan calculator to estimate your repayments. A
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Can I make extra payments or pay off my loan early without penalty?

Yes, you can make extra payments or pay off your loan early with Harmoney. We never
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Harmoney Personal Loan Fees & Charges | No Early Repayment Fees

Learn about the fees and charges for a Harmoney personal loan. We offer a
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Can I Apply for a Personal Loan If I Am Self-Employed or Have an Irregular Income?

This is a very common question, and the answer is: yes, you can. While traditional lenders may find
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.