Get a better deal on a personal loan so you can get on with Life.

100% Online 6.99% p.a.* to 29.99% p.a.* Up to $70K, Unsecured
*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.

Quick Estimate

Estimate based on 5 year term. Our interest rates range from 6.99% p.a. — 29.99% p.a. and we offer 3 and 5 year terms.

─ ─
─ ─
─ ─
─ ─

*Based on a 5 year term. 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.

Interested in being a lender? Click here.

Harmoney has matched Borrowers and Lenders for loans totalling $672 million.

14,448 for debt consolidation 4,969 for home improvements 4,081 for travel 2,155 for used vehicles 1,530 for business cash flow 1,234 for household items

… plus 9,445 other loans.

We set out to make a difference

And it's working for thousands of Harmoney Borrowers.

Great that this could be done on-line, with little fuss or bother.

OMG this process was so easy i can't even thank you for helping me be able to breathe again. debts are paid

Click here to see reviews from independently verified Borrowers

And the national press are taking notice…

A better borrowing experience for Kiwis.

Harmoney is a peer-to-peer money marketplace — where everyday people can borrow money from (and lend money to) other everyday people.

If you're borrowing, why is this a great option for you? We give you access to fairer rates, and the flexibility to borrow money on your own terms.

Find out how it works.