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Personal loans to start almost anything.

Fixed personalised interest rates from 6.99% p.a. to 19.99% p.a. (plus an establishment fee of $150).¹

Won’t affect your credit score

Canstar winner 7 years in a row
canstar 2015 v3
canstar 2016 v3
canstar 2017 v2
canstar 2018 v2
canstar 2019 v2
CANSTAR 2020 Outstanding Value Personal Loan
CANSTAR 2021 Outstanding Value Personal Loan OL

What our customers say

5.0 Great service, easy application and the best company to deal with for a personal loan new zealand
5.0 So quick and hassle free. Best loans service I've ever dealt with new zealand
5.0 Awesome Service! So happy I can consolidate my loans with Harmoney! Thank you! new zealand
5.0 My very heartfelt thanks to Harmoney for helping out with our finances during our desperate needs. So much grateful talking with your staff. Keep up the good works. God bless. new zealand
5.0 Great service and ease of loan process new zealand
5.0 Absolutely awesome to deal with and so fast and easy. Better than any other finance company I have ever dealt with:) , new zealand
5.0 Wow.. dealing with Harmoney has been the simplest and quickest loan application I have ever experienced. Outstanding service and life savers. new zealand
5.0 The best loan service in nz new zealand
5.0 Absolutely fantastic, took me about 10mins and loan was accepted, great fast service highly recommend new zealand
5.0 -Good customer service
-Fast processing of loan application
-Low interest rate
new zealand
5.0 they are great - almost too easy I am from a banking background and din Harmoney better in the personal loan space than a bank new zealand
5.0 This is great way to apply for loan quick and easy New Zealand
5.0 Stress Free and Staright Forward. Staff over the phone were patient and respectful, and the Lady Mitch I had a Chat took her time to explain via email the answers of my questions. Harmoney's response time was quick and wouldn't keep the borrower waiting for a long poeriod of time.

Hadn't Harmoney invited me to make another Loan, I never knew about it. While its a customer focused..., its an awesome system and marketing Harmoney had set things up that works both ways, a give and take reciprocity. Thank You.
new zealand
5.0 The lady I spoke to was great and helped me a lot, and thanks you to Brad for approving my loan you guys make things easy. Thanks again so thankful. new zealand
5.0 I've used Harmoney for years, the best user experience in the industry. The website design has improved consistently every few months. The speed of transactions is next to none, and they've helped me achieve lower interest rates year after year. Without Harmoney I would have never escaped my two loans + two credit card debt spiral.

Go Harmoney!
new zealand
5.0 Greetings

This is an excellent experience. All my queries were answered on time and my loan was approved. It was easy to complete all documentations needed for the application, so I have a positive experience.

Thank you very much. I do appreciate your support in time of needs.

Kind regards

Telesia Kalavite
new zealand
5.0 Good and easy affordable loans new zealand
5.0 I have had a few loans from Harmoney and it has always been an excellent experience. Thank you new zealand
5.0 Great service and simple process to apply for loan new zealand
5.0 I’ve been with Harmoney for sometime now & have always found their processing to be efficient & an excellent service for loan applications/approvals, thank you so much once again. new zealand
5.0 Excellent customer service, even though it all happens virtually via the online portal, the staff gave it a personal/ human touch
via chat! Great work team Harmoney! Thank you
new zealand
5.0 SUPER FAST! Out of all the sites I’ve tried and applied, Harmoney has been the best at this field. They’re very easy to understand and the fact that even if it’s unsecured loans, they won’t give out any huge amounts of interest fees. new zealand
5.0 Awesome service. Really quick and fast. I thank Harmoney for the chance and they really are a good finance company. , new zealand
5.0 Harmoney has always been a really amazing place for me to sort out my finances and there processes are always easy and quick. thank you harmoney..you guys are great!! new zealand
5.0 Absolutely awesome!!! Super fast and super easy.

My loan was approved in moments and the funds were in my account within hours.

Harmoney has made my life a whole lot easier.

Hooray for Harmoney!!!!
, new zealand
5.0 It's been a very easy loan to apply for. A good experience new zealand
5.0 Great customer service and so easy to get a loan , new zealand
5.0 Awesome knowing I can service the loan but not going through rings to get it!!! new zealand
5.0 Easy to apply for loans and great staff new zealand
5.0 Pretty good nice and fast loan approval plus great customer service couldn't ask for better , new zealand
5.0 Great experience. Quick loan approval , new zealand
5.0 Excellent loan provider.
Dealing with real people who understand life's circumstances.
No hidden costs, easy to deal with simple to understand.
new zealand
5.0 Excellent first class experience. Even though we communicated a lot only via email the response was always quick! Thank you for making this loan process an easy experience new zealand
5.0 So easy so quick and this time I got an even better rate than my previous loan who does that harmoney does that. so Awesome, and I can see why they have won awards 6 years in a row even thank you so much. new zealand
5.0 Harmoney is probably the best loan provider in NZ.
Thanks Harmoney you guys make money lending so simple and unstressful.
new zealand
5.0 Online loans through harmoney are the best new zealand
5.0 It is second time I have applied loan through harmoney and have same overwhelmingly great experience. new zealand
5.0 Great to be able to consolidate debt so easily (due to my high credit score rating), all of it done online. This is the 3rd time I have done this and it seems to get easier each time as I get more experienced at filling out all the information required.

Repayment schedule is more than reasonable and I'll have plenty of opportunity to pay back the full loan with my house due to be sold at the end of 2023. This debt consolidation will give me more opportunities for home improvements before I sell so I am really likely to make back all my money (including interest repayments) long term. It's certainly one of the safest financial decisions I have made in my 40 years of banking etc.. (i.e. I am 60 years old)

Additional Comments (post-loan completion)
Thanks hugely for funding my most recent loan consolidation. There are lots of reasons why I did this through Harmoney:

Firstly, I was able to borrow money from Harmoney that I could not get from my bank even though my credit rating was 1000. I can understand their cautious approach as an owner/occupier but their approach didn't benefit me. The reality is that I'll be selling my home in 2.5 years anyway and I needed to take some calculated risks financially to do that anyway. The term of my loan with Harmoney is 5 years so it's going to be pretty satisfying to pay all the money back - $40 000 at the beginning of 2024.

Secondly,the ease with which all of this can be done online. True, I am a digital technology teacher and therefore familiar with dealing with most of the questions but what I was not prepared for was the speed of the whole process.It's quite sobering how fast credit checks and bank accounts can be completed when done with digital technologies

Thirdly, I quite liked the fact that I didn't have to front up to a bank mortgage broker face-to-face as it's a lot of avoidable emotional energy that I don't want to spend there (and it's never pleasant getting a 'no' to both parties).

Fourthly, if my application failed here with Harmoney, few would know - my bank would be none the wiser anyway - but the same learning would still have taken place for me which in turn would have helped me set new goals anyway, financial and otherwise.

I'm still not close to my financial goals for my lifetime but I'm still a lot further ahead than most my age in planning and providing for my retirement. Investing in my ChCh house will certainly help bring it up to a better standard when I'll be selling it in 2.5 years (Christmas 2023)

Thanks again for financing this and I am quite sincere in this. The reality is that no bank would have advanced this money for me and you are the best of all the NZ lenders that I have dealt with in my time as an almost 60 year old.

Canterbury, New Zealand
5.0 Excellent customer service, no other lenders can beat Harmoney’s quick response. Loan sorted in minutes. new zealand
5.0 I think you have a great team I am more than happy with your service, approachability and fast response. You are are fair the best finance company I have ever had to deal with. I have recommended Harmoney to all of my collages and friends. Thank you. New Zealand
5.0 Customer service outstanding!!! Honestly felt that after 4 top ups and the payments paid its ashamed that the interest rate given to me was not what I was expecting. I feel that it was high compared to my last loan with what I have paid as extra on top of what the minimum payments required for each month. Besides that I cannot default the service that harmoney provide awesome work proud to be a customer of Harmoney!!!! Auckland, New Zealand
5.0 Great support every time I apply for a loan New Zealand
5.0 Always fast and easy to apply. Great personal service if needed. New Zealand
5.0 Excellent service. Very easy and quick process to follow. and Approved the loan in a few minutes. New Zealand
5.0 I found the service excellent. Was kept updated on the loan application. Highly recommend Harmoney. Tauranga , New Zealand
5.0 Great experience. Best to loan from New Zealand
5.0 Clear and very easy instructions. Instant answers. Great online application.
Money was in my account on the same day I was approved for the loan. Excellent!
Wellington , New Zealand
5.0 Very fast Profesional great service would recommend to anyone needing finance New Zealand
5.0 Very efficient and great service from Harmoney with an easy to follow process towards my personal loan, thank you Harmoney. New Zealand
5.0 Very quick to sort out my initial issue and had the loan approved next day, thats what I call excellent Customer Service! New Zealand
5.0 Always great to use for personal loans. Much easier and more straightforward than banks. New Zealand
5.0 The best loan experience i have ever had cheers New Zealand
5.0 The process has been updated so the terms and conditions and loan agreement are lodged online in the logon rather than being emailed, this makes the process even more user-friendly than what it was previously and even then it was great!
Thre was a system glitch but this was resolved very quickly.
New Zealand
5.0 Thank you for making the loan process so very easy. Your customer service people are awesome New Zealand
5.0 very easy to work though and am great full of the loan Northland, New Zealand
5.0 Wow so quick and easy really took the stress out of requesting a loan New Zealand
5.0 Thank you for once again for making the loan process a smooth & friendly process, super fast response time, excellent customer service team members...thanks for making our day, very grateful New Zealand
5.0 Always quick and easy to apply for loans with confirmation received almost immediately. Excellent process and service. New Zealand
5.0 The best loan company I have ever dealt with New Zealand
5.0 So quick do personal no stupid questions. Just great to deal with. Eould recommend to anyone 10 out of 10. Thank you once again. New Zealand
5.0 Such a good team, my loan approved with 24hrs New Zealand
5.0 Best way to get a loan and easy. Will use them again! New Zealand
5.0 Really easy to deal with and great team on board that figures out if people are financially able to apply for loans or top ups. Really happy with harmoney's service. New Zealand
5.0 Awesome service. Sorted a top up loan within an hour. Thanks Harmony!!! New Zealand
5.0 Wow never had a majority automated loan approval process like that. It was really quick. New Zealand
5.0 I initially had a few issues with applying online, however I was very impressed by your staff who contacted me and my husband to who was able to help us get our loan approved. We are truly grateful. Thank you so much to your team New Zealand
5.0 I am very happy with the whole ordeal. Very smooth and no problems what so ever. Felt very confident and relaxed through my loan. Thank you very much Harmoney. Merry Xmas New Zealand
5.0 This has been one of the best experiences I've had with finances in a long time, I had a few technical difficulties during the day but the team members I spoke to were lovely and extremely helpful, I really appreciate it. New Zealand
5.0 excellent service as always prompt & great communication from harmoney staff
highly recommended & have advised family & friends of harmoneys loan services
New Zealand
5.0 So easy and fast ...was great not having to log into different things just to get your finances... New Zealand
5.0 Easiest loan application ever. Seamless and great service. New Zealand
5.0 Great service, loan approved in 1 hour. New Zealand
5.0 Thank you guys excellent job when I need a loan well done thanks Harmony. New Zealand
5.0 Completely amazed to be honest (at the speed and ease of the loan process here). Stunned actually. Speechless.

Granted that my credit rating is 1000 and that I have a guaranteed permanent secondary teaching position but I have NEVER experienced or expected anything as smooth as this Harmony process (FYI: I am 57 years old and a property owner of one rental and have gone through many mortgage and loan applications in the last 20 years. I also have an extensive 30-year secondary teaching career alongside this).

Despite my strong credit history, no hire purchases, an $82 000 salary (guaranteed), and a $610 weekly rental income, my regular bank would not loan me the extra $10 000 needed to complete a new sleepout because, in their view, I was reaching beyond a financial ceiling that they would not finance.

It left me in a pretty pickle as I wanted to complete the sleepout in Christchurch before the 2021 academic year so that I could take advantage of the influx of NZ students into the city post-New Year. The conceting and foundation is down already so, really, it is not going to take too much to complete the actual structure.

My regular bank simply did not want to know despite an extremely positive valuation from a registered and accredited valuer.

Getting this loan is actually a kind of miracle for me. The property has been in my family's hands for 45 years but now I am really adding value and getting some good returns on it (I am also not over-leveraged compared to Auckland properties).

All I can say is, THANK YOU Harmony as I don't have to go back to my bank anymore to beg for the funds required.

Can I also add that I am greatly heartened that I can pay the loan back at anytime without any financial penalty. It really is a great deal tbh and I would recommend this lender to anyone out there who is stuck for funds
New Zealand
5.0 Harmoney has always been a very good loan provider thank you for making life easier for me, and being able to afford life changes. New Zealand
5.0 Great quick service, fast loan turnaround A+++ New Zealand
5.0 Harmoney is a good honest transparent loan company. Thanks heaps!! New Zealand
5.0 Easy quick and loan terms are fair and interest rates are good. Good experience New Zealand
5.0 Great application service. Thanks for an easy Loan process. Highly recommend :) New Zealand
5.0 I will be forever so grateful to Harmony for reaching out to help when I needed to consolidate my loans and to help with my mother's eye surgery within minutes. It took me a good 20 mins just to sit and embrace the the great news. New Zealand
5.0 Very good patience by Mel on phone explaining loan process, and acceptance. Simple application process and clearly explained next steps New Zealand
5.0 Harmoney never fails to help, truly one of the best finance company to deal with. They always give options and I believe they always have your best interest at heart, thanks Team New Zealand
5.0 Harmoney is incredibly painless, great UX. I love the non-personal aspect of it. New Zealand
5.0 Very efficient professional experience. Thanks Harmony for the stress free loan approval at great competitive rates New Zealand
5.0 Fast and affordable
Recommend to all family and friends
And the chat and email responses were fantastic. Kris from Customer Care online chat was there and respond fast. I applied online for a loan from Instant Finance takes a week before they contacted me if still interesting too bad i applied with Harmoney only minutes and i found out that got approved. I m still waiting now for a second quote coz i changed the amount but 24hrs not over yet as promised. Thanks and keep up the good work. When you treat customer right they wont ever leave
Auckland, New Zealand
5.0 It’s great to have loan process so easy.
Not too many requirements.
New Zealand
5.0 Thank you for the great stress free service. It was so easy to apply and receiving the notification "your loan is approved" is by far the most wonderful news to receive on a Friday afternoon. God Bless Team Harmoney Auckland, New Zealand
5.0 Great service, great loan provider New Zealand
5.0 I have been a customer for a few years now and you guys are the best loan company to deal with New Zealand
5.0 Harmony is best loan, very simple and easy to apply. They respond very fast.
Thank to Harmony.
New Zealand
5.0 It was great to get a loan and tahnk you, but if you take too long in the debt section it times out and does not save your information, it was very frustrating. Thanks, Sofia New Zealand
5.0 Excellent finance provider, extremely efficient and fast process. New Zealand
5.0 hassle free and great to see a real time loan balance New Zealand
5.0 Application was easy to fill out and request loan. Communication was very good, always knew where my application was in the system BOP, New Zealand
5.0 So helpful and good finance New Zealand
5.0 Excellent service, love that we have been recognised for being good payers and been given a loan at a good interest rate. Thank you New Zealand
5.0 Simply the best, easy user friendly loan application system, 10/10 New Zealand
5.0 Excellent most of my loan's have been approved so I am hoping this is approved be a great Christmas gift thanks Rotorua,bay of plenty, New Zealand
5.0 best experience looking for a loan, service was great, quick and easy New Zealand

Simple, 100% online

1. Get to know you

Tell us about your loan and provide us some details about yourself and your finances.

2. Get your loan terms

We provide you detailed loan terms with your interest rate, borrowing limit, and repayments.

3. Get your money

Accept your loan terms and provide some final details. Most loans are fully funded within 24 hours.

If you took out a loan with us before 26 August 2021, you may be eligible for a payment under the borrower establishment fee rebate.

What we offer

$2K - $70K

Loan limits
3, 5 or 7 years

Loan terms

Establishment fee

Early repayment fee
  • Fixed interest rates from 6.99% p.a. to 19.99% p.a.¹
  • Establishment fee of $150
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan
  • All loans are unsecured

Get a quick estimate

Get a quick idea of your interest rate and your repayments using our personal loan calculator.

Get the loan that works for you

Spend more time living and less time figuring out how to pay for what you need.

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No queues and no need for awkward face to face meetings.

Personalised rates icon

Interest rates are based on your individual credit assessment - not one-size-fits-all.

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100% ONLINE - 24/7

Once your loan is approved the money will be in your account in 1-3 business days.

Types of personal loans

Help for almost anything you need.

Car icon

Got your eye on that new or used vehicle? Our auto loan can help get you out on the road.

Find out more

Personalised rates icon v2

Worrying about paying for education is no help when you are trying to study. Reduce stress by covering expenses with an education loan.

Find out more

Debt con icon

A debt consolidation loan can replace your old debts with a single repayment designed for your personal circumstances.

Find out more

Holiday icon

Create memories with the trip of a lifetime. Visit family, a favourite travel destination, or somewhere you've always wanted to go.

Find out more

Simplify icon

Whether you own a business or are starting a new one, a personalised business loan may help you kickstart your growth.

Find out more

Medical icon

A medical loan can take away the stress and worry of hospital expenses and allow you to solely focus on your health.

Find out more

Wedding icon

A wedding loan can help you achieve exactly what you have in mind for that special day.

Find out more

Renovation icon

A home improvement loan could help you achieve the living spaces that you have dreamed of having.

Find out more

We're real people and we're here if you need us

If you need help, just give us a call on 0800 427 666 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

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Terms and conditions

1. Subject to approval and funding. 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 and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply. 99% of loan applications are funded within 24 hours of loan terms being accepted (based on loans submitted in 2021).