What is Harmoney?
"Harmoney is a great peer-to-peer lending platform that allows borrowers and investors to come together."
Peer-to-peer lending is shaking up the financial world by connecting borrowers and investors through online marketplaces. It’s a revolutionary take on an old idea: no waiting in queues at the bank, just simple, online processes. Harmoney is New Zealand's first licensed peer-to-peer lending marketplace. We're giving the power back to the people and managing all the boring administrative stuff, so you get a fair deal.
Why borrow through Harmoney?
100% online application.
It's easy to apply online whenever suits you. 90% of loans on our marketplace are funded within 48 hours.
Rates from 9.99%.
You're unique, so is your interest rate. It's customised to your circumstances, not everyone else's.
Up to $35,000, unsecured.
No ball and chain here, just easy repayments you can afford. No hidden or early repayment fees either.
Why invest through Harmoney?
Consumer credit generally outperforms typical investments, which is why most of our investors enjoy returns of around 12% p.a..
Spread your investment across hundreds of different creditworthy borrowers with a new asset class to diversify your portfolio.
Start investing from as little as $500. You get to choose how you spread risk so you can relax and watch your investment grow.