PERSONAL LOANS
Personal loans to start almost anything.
Fixed personalised interest rates from 6.99% p.a. to 19.99% p.a. (plus an establishment fee of $150).¹
Won’t affect your credit score
Canstar winner 7 years in a row
What our customers say
Cheers new zealand
-Fast processing of loan application
-Low interest rate new zealand
Hadn't Harmoney invited me to make another Loan, I never knew about it. While its a customer focused..., its an awesome system and marketing Harmoney had set things up that works both ways, a give and take reciprocity. Thank You. new zealand
Simple, 100% online
1. Get to know you
Tell us about your loan and provide us some details about yourself and your finances.
2. Get your loan terms
We provide you detailed loan terms with your interest rate, borrowing limit, and repayments.
3. Get your money
Accept your loan terms and provide some final details. Most loans are fully funded within 24 hours.
If you took out a loan with us before 26 August 2021, you may be eligible for a payment under the borrower establishment fee rebate.
What we offer
$2K - $70K
Loan limits
3, 5 or 7 years
Loan terms
$150
Establishment fee
$0
Early repayment fee
- Fixed interest rates from 6.99% p.a. to 19.99% p.a.¹
- Establishment fee of $150
- You can repay weekly, fortnightly or monthly
- Your rate is fixed for the life of the loan
- All loans are unsecured
Get a quick estimate
Get a quick idea of your interest rate and your repayments using our personal loan calculator.
Get the loan that works for you
Spend more time living and less time figuring out how to pay for what you need.
GET YOUR MONEY FAST
No queues and no need for awkward face to face meetings.
YOU'RE UNIQUE. SO IS YOUR RATE
Interest rates are based on your individual credit assessment - not one-size-fits-all.
100% ONLINE - 24/7
Once your loan is approved the money will be in your account in 1-3 business days.
Types of personal loans
Help for almost anything you need.
CAR LOANS
Got your eye on that new or used vehicle? Our auto loan can help get you out on the road.
EDUCATION
Worrying about paying for education is no help when you are trying to study. Reduce stress by covering expenses with an education loan.
DEBT CONSOLIDATION
A debt consolidation loan can replace your old debts with a single repayment designed for your personal circumstances.
HOLIDAY LOANS
Create memories with the trip of a lifetime. Visit family, a favourite travel destination, or somewhere you've always wanted to go.
BUSINESS LOANS
Whether you own a business or are starting a new one, a personalised business loan may help you kickstart your growth.
MEDICAL LOANS
A medical loan can take away the stress and worry of hospital expenses and allow you to solely focus on your health.
WEDDING LOANS
A wedding loan can help you achieve exactly what you have in mind for that special day.
HOME RENOVATION
A home improvement loan could help you achieve the living spaces that you have dreamed of having.
We're real people and we're here if you need us
If you need help, just give us a call on 0800 427 666 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.
Terms and conditions
1. Subject to approval and funding. Harmoney’s interest rates 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. 99% of loan applications are funded within 24 hours of loan terms being accepted (based on loans submitted in 2021).