PERSONAL LOANS
Simple
100% online
process
Personalised interest rates
from 6.99% — 29.99% p.a.*
Personalised interest rates
from 6.99% — 29.99% p.a.*
Money by Christmas?^ Complete the application and accept your quote in:
Tell us about your loan and provide us some details about yourself and your finances.
We provide a detailed quote with your interest rate, borrowing limit and repayments.
Accept your quote and provide some final details. Most loans listed in the Marketplace are fully funded within 24 hours.*
Our rates are personalised to you, so your rate is based on your circumstances, not everyone else's.
Most loans listed in the Marketplace are fully funded within 24 hours.
No queues, no need for any awkward face-to-face meetings — our process is 100% online, 24/7.
Establishment Fee of $200 for loans from $2,000 to below $5,000 and $450 for loans from $5,000 to $70,000. No early repayment fee.
Quick service and so easy. The team at Harmoney makes the process so manageable with on going feedback on the next step.
Michelle S, NZ, 29 July 2018This was a top-up loan and was an unbelievably easy process. My loan was approved within minutes and the money was in the bank by the afternoon. A super-easy process!
Deborah R, Auckland, 28 July 2018This is a very fastest way of dealing with my loan application. Appreciated and it helps a lot to reduce my stress level with my financial situation now.
Mele V, NZ, 24 July 2018Thanks guys, you have been hassle free and awesome once again. So easy to sort things out.
Klaus and Maike R, NZ, 29 July 2018in funded loans.
in our growing community.
with 256-Bit SSL encryption.
Harmoney is regulated by the Financial Markets Authority of New Zealand
Sometimes you just need to talk to a person, and we have a super-dedicated Customer Support team ready to help you. It’s a team effort, so you might get Michael, Kristen, Sahil, or any of our other 30+ specialists.
*Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 29.99% p.a. and are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.
^Cut-off date is for estimated time for borrower to receive the funds before 25th December 2019. Actual funding date may vary depending on bank processing times and other conditions, including processing delays.