Welcome to Harmoney

Where everyday people lend money to everyday people

Welcome to Harmoney

Where everyday people lend money to everyday people

Welcome to Harmoney



Create an obligation-free Borrower or Lender account before April 30th and go in the draw to win a $500 Prezzy Card. T&Cs Apply, click to learn more.

What is Harmoney?


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

Outstanding Value.

We have been awarded 5 Stars for Outstanding Value by CANSTAR - one of only two recipients in our category, and the only to offer online applications. Click here to learn more or click here to see what our current customers think.

Canstar 2

How does Harmoney work?

Step 1:

People who wish to borrow money do so by applying to list their loan in the Marketplace. Harmoney's role is to assess the application. Once approved, loans are split into $25 chunks (called 'notes') - so a $10,000 loan becomes 400 notes. This way, each loan is funded by lots of different people.

Step 2:

People who wish to lend money choose which loans they want to 'invest' in from the Marketplace, and how many 'notes' they wish to invest. Harmoney's role is to administer these transactions.

Step 3:

Once a loan is fully funded, the Borrower gets the money and begins making monthly principal and interest repayments. Harmoney's role is to collect these repayments and distribute them back out to the Lenders.

Why is Harmoney the best choice?

We give Borrowers a fair deal

  • Fair interest rates from 9.99% p.a.
  • 100% online with no paperwork
  • Unsecured loans up to $35,000
  • 95% of loans funded within 24hrs.

We give Lenders better returns

  • High rate of return
  • Proven reliability of customer credit
  • Diversification of your portfolio
  • F.M.A licensed and regulated.