PERSONAL LOANS
Simple
100% online
process
Personalised interest rates
from 6.99% — 29.99% p.a.*
Simple
Money by Christmas?^ Complete the application and accept your quote in:
Simple 100% online process
1.
Get to know you
Tell us about your loan and provide us some details about yourself and your finances.
2.
Get your quote
We provide a detailed quote with your interest rate, borrowing limit and repayments.
3.
Get your money
Accept your quote and provide some final details. Most loans listed in the Marketplace are fully funded within 24 hours.*
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 process.
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.
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Our rates and fees
An overview
Establishment fee
$200 or $450
Early termination fee
$0
Loan limits
$2K — $70K $2K — $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
Establishment Fee of $200 for loans from $2,000 to below $5,000 and $450 for loans from $5,000 to $70,000. No early repayment fee.
What 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
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Trust and Security
$1 BILLION+
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
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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.
^Cut-off date is for estimated time for borrower to receive the funds before 25th December 2019. Actual funding date may vary depending on bank processing times and other conditions, including processing delays.