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.
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.
Review your personalised interest, loan amount and select the length and loan options that work best for you.
Once funded, the money is deposited into your bank account, or disbursed to pay off your debts (if you're consolidating debt).
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.
Our rates are personalised to you, so your rate is based on your circumstances, not everyone else's.
Most loans listed in the Marketplace are fully funded within 24 hours.
No queues, no need for any awkward face-to-face meetings — our process is 100% online, 24/7.
We’ve put together a comprehensive guide to help you kick-start your search for a new car.
Free DownloadQuick 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
in funded loans.
in our growing community.
with 256-Bit SSL encryption.
Harmoney is regulated by the Financial Markets Authority of New Zealand
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.
*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.