Start almost anything

Consolidate your debts

Consolidate your debts

Roll multiple debts into one, with one interest rate and one repayment schedule.

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Won't affect your credit score.

A home renovation

A home renovation

We don’t need tradie quotes for your home improvements loan, so these won't delay you getting your loan.

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Won't affect your credit score.

Buy a new car

Buy a new car

Unsecured or secured with a discounted rate? The choice is yours. Negotiate with cash buyer confidence. With your finance already sorted, you’re ready to search.

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Won't affect your credit score.

Go on a holiday

Go on a holiday

Get your holiday loan approved before you start booking your trip to take advantage of promotions and discounts

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Won't affect your credit score.

Plan a wedding

Plan a wedding

Make your dream day a reality with a wedding loan.

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Won't affect your credit score.

Grow your career

Grow your career

Take control of your future with an education loan.

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Won't affect your credit score.

Grow your business

Grow your business

A cashflow loan can keep your business goals in sight.

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Won't affect your credit score.

Start feeling better

Start feeling better

Get help covering all or part of your treatment cost.

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Won't affect your credit score.

Start almost anything

Start almost anything

Over 90,000 people have used a Harmoney online loan to get things done.

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Won't affect your credit score.

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

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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.

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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

FAQs

What is a Harmoney personal loan?

A personal loan from Harmoney is an unsecured loan that can be used for a wide range of purposes, from debt consolidation to home renovations, holidays, and more. The loan amount can range from $2,000 to $100,000, with repayment terms of 3, 5, or 7 years. You can get a quote in minutes, and the application is 100% online.

 

Learn more about what a personal loan can be used for.

How is my interest rate determined?

Your interest rate is a fixed rate tailored specifically for you. It is based on a comprehensive credit assessment that includes your credit score and other financial information. Harmoney's interest rates range from 7.99% to 24.99% per annum, and you can get a quote without affecting your credit score.

 

Find out more about how your interest rate is calculated

What are the eligibility requirements?

To be eligible for a Harmoney personal loan, you must be at least 18 years old, a New Zealand or Australian citizen or a Permanent Resident, have no defaults or bankruptcies on your credit file, and be in paid employment. The minimum loan amount is $2,000.

 

Check the full eligibility criteria here

How long does it take to get the money?

The entire application process is fast and 100% online. After you accept your loan contract, the funds are typically paid into your bank account in less than five minutes.

 

Understand the funding process and timeline

Can I pay off my loan early?

Yes, you have the flexibility to make additional or lump-sum payments at any time. Plus there is no early repayment penalties or fees. This can help you pay off your loan sooner and save on interest. You can manage your repayments and get a payout estimate directly from your online dashboard.

 

Learn about paying off your loan early

Will my interest rate change over time?

No, your interest rate is fixed for the entire term of the loan. This means your repayments will remain consistent and predictable.

 

Read more about changes to your interest rate

Eligibility Criteria

To get a quote in New Zealand;

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.