This is what
debt free
feels like
Apply online in minutes
Rates from 6.99% — 29.99% p.a.*
Borrow $1K — $70K unsecured
No break fees for early repayment
Get an obligation-free quote.
Or call 0800 427 666 (9am - 6pm)
This is what
Simple 100% online process
1.
How can we help?
Whatever it is is you want to make happen, we're here to help. Tell us why you need the money and we'll kick things off.
2.
Getting to know you and your finances
As a responsible lender, we'll need to verify you are who you say you are, and that you can afford to borrow the money.
3.
Choose your terms
Review your personalised interest, loan amount and select the length and loan options that work best for you.
4.
Getting funded
Once funded, the money is deposited into your bank account, or disbursed to pay off your debts (if you're consolidating debt).
This is what debt free feels like
We want you to join the thousands of Kiwis consolidating over $334M in debt.^ For Harmoney members who say they want to pay less interest, we’re saving them an average of $6,600^ each when they consolidate their debts with a Harmoney loan. Check out a Debt Consolidation loan today.
Find out more^Based on Debt Consolidation loans from February 2018 – July 2018.
We've got your interests at heart.
You're unique, and so is your rate*
Our rates are personalised to you, so your rate is based on your circumstances, not everyone else's.
Get funded fast.
Most loans listed in the Marketplace are fully funded within 24 hours.
A Streamlined 100% Online Application.
No queues, no need for any awkward face-to-face meetings — our process is 100% online, 24/7.
* Harmoney's interest rates and maximum loan amounts are offered based on the individual borrower's credit and affordability assessment.
Ready to begin?
Our rates and fees
In a nutshell
Establishment fee
$450
Early termination fee
$0
Loan limits
$1,000 — $70,000 $1K — $70K
Loan terms
3 or 5 year
You also need to know...
- All loans are unsecured
- Rates 6.99% — 29.99% p.a.
- Your rate is fixed for the life of the loan
- You can repay weekly, fortnightly or monthly
Free download — car buying guide
We’ve put together a comprehensive guide to help you kick-start your search for a new car.
Free DownloadWhat our customers are saying.
Quick service and so easy. The team at Harmoney makes the process so manageable with on going feedback on the next step.
Michelle S, NZ, 29 July 2018This was a top-up loan and was an unbelievably easy process. My loan was approved within minutes and the money was in the bank by the afternoon. A super-easy process!
Deborah R, Auckland, 28 July 2018This is a very fastest way of dealing with my loan application. Appreciated and it helps a lot to reduce my stress level with my financial situation now.
Mele V, NZ, 24 July 2018Thanks guys, you have been hassle free and awesome once again. So easy to sort things out.
Klaus and Maike R, NZ, 29 July 2018
4.7 Overall Rating
4.7 Overall Rating
Ready to begin?
Trust and Security
$750,000,000
in funded loans.
312,000 members
in our growing community.
Bank Grade Security
with 256-Bit SSL encryption.
Harmoney is regulated by the Financial Markets Authority of New Zealand
Ready to begin?
Here when you need us.
Sometimes you just need to talk to a person, and we have a super-dedicated Customer Support team ready to help you. It’s a team effort, so you might get Michael, Kristen, Sahil, or any of our other 30+ specialists.
Terms & Conditions
*Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 29.99% p.a. and 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.