People investing in people

Borrow money or lend money to people just like you.

What is Harmoney?

"Harmoney is a great peer-to-peer lending platform that allows borrowers and investors to come together."

Peer-to-peer lending is shaking up the financial world by connecting borrowers and investors through online marketplaces. It’s a revolutionary take on an old idea: no waiting in queues at the bank, just simple, online processes. Harmoney is New Zealand's first licensed peer-to-peer lending marketplace. We're giving the power back to the people and managing all the boring administrative stuff, so you get a fair deal.

Why borrow through Harmoney?


100% online application.

It's easy to apply online whenever suits you. 90% of loans on our marketplace are funded within 48 hours.


Rates from 9.99%.

You're unique, so is your interest rate. It's customised to your circumstances, not everyone else's.


Up to $35,000, unsecured.

No ball and chain here, just easy repayments you can afford. No hidden or early repayment fees either.

Why invest through Harmoney?

Investor 1

Attractive returns.

Consumer credit generally outperforms typical investments, which is why most of our investors enjoy returns of around 12% p.a..

Investor 2


Spread your investment across hundreds of different creditworthy borrowers with a new asset class to diversify your portfolio.

Investor 3

Easy entry.

Start investing from as little as $500. You get to choose how you spread risk so you can relax and watch your investment grow.

What are people saying about us?

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