What is Peer-to-Peer Lending and why is it better?

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

Harmoney is not the one lending the money - our Lenders do that. Instead, our role is to administer the Marketplace, as well as acting as an intermediary between Borrowers and Lenders, so you can keep your anonymity.

So why is this a great option for you? If you're borrowing, we give you access to fairer rates, and the flexibility to borrow money on your own terms. If you're lending, we give you access to superior investment returns, while diversifying your investment portfolio. Find out how it works.