Personal loans to ...

Make it happen

100% Online 6.99% 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.
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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.

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*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.

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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

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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.