How peer-to-peer lending works:
Multiple Investors fund the personal loan in small amounts until it is fully funded.
The Borrower then repays the Investors over the next 3-5 years via Harmoney.
Harmoney has matched borrowers and investors for loans totalling $125 million.
… plus 2,415 other loans.
What’s in the personal loan Marketplace now?
Below are some of the loans that are live in our marketplace now. Click here to see the full Marketplace.
Fast,easy and reliable company.Got my loan approved in...
Trying to get ahead in life after the...
harmoney can help me when I account with...
It is fantastic service and much easy to...
This will enable me to restructure debt into...
My business is at a critical point where...
to be dept free make sure my children...
I am a hard working father with 7...
Data is updated every 20-30 mins.
What is Harmoney?
We are New Zealand's first licensed peer-to-peer lending Marketplace. Peer-to-peer lending has been an established and trusted way to borrow and invest money for over 10 years in the UK and USA. And now, we’ve brought it to New Zealand. Watch the video to hear first hand from our Borrowers and Investors why they chose Harmoney.
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.