PERSONAL LOANS
Fair and simple personal loans
Fixed 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 5 years in a row
What our customers say
5.0 2021-11-24 Agnes I’ve been with Harmoney for sometime now & have always found their processing to be efficient & an excellent service for loan applications/approvals, thank you so much once again. new zealand
5.0 2021-10-28 Evdoxia Excellent customer service, even though it all happens virtually via the online portal, the staff gave it a personal/ human touch
via chat! Great work team Harmoney! Thank you new zealand
via chat! Great work team Harmoney! Thank you new zealand
5.0 2021-10-17 Hillary SUPER FAST! Out of all the sites I’ve tried and applied, Harmoney has been the best at this field. They’re very easy to understand and the fact that even if it’s unsecured loans, they won’t give out any huge amounts of interest fees. new zealand
5.0 2021-10-06 Anonymous Customer Awesome service. Really quick and fast. I thank Harmoney for the chance and they really are a good finance company. , new zealand
5.0 2021-10-06 Gwenie WOW THANKS SO MUCH FOR MAKING MY LOAN EXPERIENCE SO EASY AND RECEIVING WITHIN 24HRS. CUSTOMER SERVICE WAS AWESOME SO THANKS I WOULD TOTALLY RECOMMEND YOU TO ANYONE 100% Bay of Plenty, New Zealand
5.0 2021-10-04 kaveet Harmoney has always been a really amazing place for me to sort out my finances and there processes are always easy and quick. thank you harmoney..you guys are great!! new zealand
5.0 2021-09-29 Karyn Absolutely awesome!!! Super fast and super easy.
My loan was approved in moments and the funds were in my account within hours.
Harmoney has made my life a whole lot easier.
Hooray for Harmoney!!!! , new zealand
My loan was approved in moments and the funds were in my account within hours.
Harmoney has made my life a whole lot easier.
Hooray for Harmoney!!!! , new zealand
5.0 2021-09-27 D It's been a very easy loan to apply for. A good experience new zealand
5.0 2021-09-24 Trudi Great customer service and so easy to get a loan , new zealand
5.0 2021-09-08 Anonymous Customer Awesome knowing I can service the loan but not going through rings to get it!!! new zealand
5.0 2021-09-03 Jack Easy to apply for loans and great staff new zealand
5.0 2021-08-31 Joshua Pretty good nice and fast loan approval plus great customer service couldn't ask for better , new zealand
5.0 2021-08-25 Joby Great experience. Quick loan approval , new zealand
5.0 2021-08-09 Brooke Excellent loan provider.
Dealing with real people who understand life's circumstances.
No hidden costs, easy to deal with simple to understand. new zealand
Dealing with real people who understand life's circumstances.
No hidden costs, easy to deal with simple to understand. new zealand
5.0 2021-08-03 Stephanie Excellent first class experience. Even though we communicated a lot only via email the response was always quick! Thank you for making this loan process an easy experience new zealand
5.0 2021-07-26 Trevor So easy so quick and this time I got an even better rate than my previous loan who does that harmoney does that. so Awesome, and I can see why they have won awards 6 years in a row even thank you so much. new zealand
5.0 2021-07-23 Anthony Harmoney is probably the best loan provider in NZ.
Thanks Harmoney you guys make money lending so simple and unstressful. new zealand
Thanks Harmoney you guys make money lending so simple and unstressful. new zealand
5.0 2021-07-21 Bonita Online loans through harmoney are the best new zealand
5.0 2021-07-16 Sanjeev It is second time I have applied loan through harmoney and have same overwhelmingly great experience. new zealand
5.0 2021-07-04 Robert Great to be able to consolidate debt so easily (due to my high credit score rating), all of it done online. This is the 3rd time I have done this and it seems to get easier each time as I get more experienced at filling out all the information required.
Repayment schedule is more than reasonable and I'll have plenty of opportunity to pay back the full loan with my house due to be sold at the end of 2023. This debt consolidation will give me more opportunities for home improvements before I sell so I am really likely to make back all my money (including interest repayments) long term. It's certainly one of the safest financial decisions I have made in my 40 years of banking etc.. (i.e. I am 60 years old)
Additional Comments (post-loan completion)
Thanks hugely for funding my most recent loan consolidation. There are lots of reasons why I did this through Harmoney:
Firstly, I was able to borrow money from Harmoney that I could not get from my bank even though my credit rating was 1000. I can understand their cautious approach as an owner/occupier but their approach didn't benefit me. The reality is that I'll be selling my home in 2.5 years anyway and I needed to take some calculated risks financially to do that anyway. The term of my loan with Harmoney is 5 years so it's going to be pretty satisfying to pay all the money back - $40 000 at the beginning of 2024.
Secondly,the ease with which all of this can be done online. True, I am a digital technology teacher and therefore familiar with dealing with most of the questions but what I was not prepared for was the speed of the whole process.It's quite sobering how fast credit checks and bank accounts can be completed when done with digital technologies
Thirdly, I quite liked the fact that I didn't have to front up to a bank mortgage broker face-to-face as it's a lot of avoidable emotional energy that I don't want to spend there (and it's never pleasant getting a 'no' to both parties).
Fourthly, if my application failed here with Harmoney, few would know - my bank would be none the wiser anyway - but the same learning would still have taken place for me which in turn would have helped me set new goals anyway, financial and otherwise.
I'm still not close to my financial goals for my lifetime but I'm still a lot further ahead than most my age in planning and providing for my retirement. Investing in my ChCh house will certainly help bring it up to a better standard when I'll be selling it in 2.5 years (Christmas 2023)
Thanks again for financing this and I am quite sincere in this. The reality is that no bank would have advanced this money for me and you are the best of all the NZ lenders that I have dealt with in my time as an almost 60 year old.
Robert
Canterbury, New Zealand
Repayment schedule is more than reasonable and I'll have plenty of opportunity to pay back the full loan with my house due to be sold at the end of 2023. This debt consolidation will give me more opportunities for home improvements before I sell so I am really likely to make back all my money (including interest repayments) long term. It's certainly one of the safest financial decisions I have made in my 40 years of banking etc.. (i.e. I am 60 years old)
Additional Comments (post-loan completion)
Thanks hugely for funding my most recent loan consolidation. There are lots of reasons why I did this through Harmoney:
Firstly, I was able to borrow money from Harmoney that I could not get from my bank even though my credit rating was 1000. I can understand their cautious approach as an owner/occupier but their approach didn't benefit me. The reality is that I'll be selling my home in 2.5 years anyway and I needed to take some calculated risks financially to do that anyway. The term of my loan with Harmoney is 5 years so it's going to be pretty satisfying to pay all the money back - $40 000 at the beginning of 2024.
Secondly,the ease with which all of this can be done online. True, I am a digital technology teacher and therefore familiar with dealing with most of the questions but what I was not prepared for was the speed of the whole process.It's quite sobering how fast credit checks and bank accounts can be completed when done with digital technologies
Thirdly, I quite liked the fact that I didn't have to front up to a bank mortgage broker face-to-face as it's a lot of avoidable emotional energy that I don't want to spend there (and it's never pleasant getting a 'no' to both parties).
Fourthly, if my application failed here with Harmoney, few would know - my bank would be none the wiser anyway - but the same learning would still have taken place for me which in turn would have helped me set new goals anyway, financial and otherwise.
I'm still not close to my financial goals for my lifetime but I'm still a lot further ahead than most my age in planning and providing for my retirement. Investing in my ChCh house will certainly help bring it up to a better standard when I'll be selling it in 2.5 years (Christmas 2023)
Thanks again for financing this and I am quite sincere in this. The reality is that no bank would have advanced this money for me and you are the best of all the NZ lenders that I have dealt with in my time as an almost 60 year old.
Robert
Canterbury, New Zealand
5.0 2021-07-01 Muni Excellent customer service, no other lenders can beat Harmoney’s quick response. Loan sorted in minutes. new zealand
5.0 2021-06-26 Trudie I think you have a great team I am more than happy with your service, approachability and fast response. You are are fair the best finance company I have ever had to deal with. I have recommended Harmoney to all of my collages and friends. Thank you. New Zealand
5.0 2021-06-25 Joachim Customer service outstanding!!! Honestly felt that after 4 top ups and the payments paid its ashamed that the interest rate given to me was not what I was expecting. I feel that it was high compared to my last loan with what I have paid as extra on top of what the minimum payments required for each month. Besides that I cannot default the service that harmoney provide awesome work proud to be a customer of Harmoney!!!! Auckland, New Zealand
5.0 2021-06-25 Cairo Great support every time I apply for a loan New Zealand
5.0 2021-06-20 Karil Always fast and easy to apply. Great personal service if needed. New Zealand
5.0 2021-06-20 Mandeep Excellent service. Very easy and quick process to follow. and Approved the loan in a few minutes. New Zealand
5.0 2021-06-19 Gordon I found the service excellent. Was kept updated on the loan application. Highly recommend Harmoney. Tauranga , New Zealand
5.0 2021-06-18 Mele Great experience. Best to loan from New Zealand
5.0 2021-06-05 Roberta Clear and very easy instructions. Instant answers. Great online application.
Money was in my account on the same day I was approved for the loan. Excellent! Wellington , New Zealand
Money was in my account on the same day I was approved for the loan. Excellent! Wellington , New Zealand
5.0 2021-05-30 Terrence Very fast Profesional great service would recommend to anyone needing finance New Zealand
5.0 2021-05-21 Brian Very efficient and great service from Harmoney with an easy to follow process towards my personal loan, thank you Harmoney. New Zealand
5.0 2021-05-19 Shane Very quick to sort out my initial issue and had the loan approved next day, thats what I call excellent Customer Service! New Zealand
5.0 2021-05-18 Evan Always great to use for personal loans. Much easier and more straightforward than banks. New Zealand
5.0 2021-05-05 Bryce The best loan experience i have ever had cheers New Zealand
5.0 2021-05-05 Deborah The process has been updated so the terms and conditions and loan agreement are lodged online in the logon rather than being emailed, this makes the process even more user-friendly than what it was previously and even then it was great!
Thre was a system glitch but this was resolved very quickly. New Zealand
Thre was a system glitch but this was resolved very quickly. New Zealand
5.0 2021-04-28 Anne Thank you for making the loan process so very easy. Your customer service people are awesome New Zealand
5.0 2021-04-19 Tim very easy to work though and am great full of the loan Northland, New Zealand
5.0 2021-04-06 Catherine Wow so quick and easy really took the stress out of requesting a loan New Zealand
5.0 2021-03-23 Anonymous Customer Thank you for once again for making the loan process a smooth & friendly process, super fast response time, excellent customer service team members...thanks for making our day, very grateful New Zealand
5.0 2021-03-22 Anonymous Customer Always quick and easy to apply for loans with confirmation received almost immediately. Excellent process and service. New Zealand
5.0 2021-03-04 Anonymous Customer The best loan company I have ever dealt with New Zealand
5.0 2021-03-03 Paul So quick do personal no stupid questions. Just great to deal with. Eould recommend to anyone 10 out of 10. Thank you once again. New Zealand
5.0 2021-02-09 Ranjila Such a good team, my loan approved with 24hrs New Zealand
5.0 2021-02-08 Matthew Best way to get a loan and easy. Will use them again! New Zealand
5.0 2021-01-31 Ashton Really easy to deal with and great team on board that figures out if people are financially able to apply for loans or top ups. Really happy with harmoney's service. New Zealand
5.0 2021-01-26 Anonymous Customer Awesome service. Sorted a top up loan within an hour. Thanks Harmony!!! New Zealand
5.0 2020-12-30 Anonymous Customer Wow never had a majority automated loan approval process like that. It was really quick. New Zealand
5.0 2020-12-17 Marites I initially had a few issues with applying online, however I was very impressed by your staff who contacted me and my husband to who was able to help us get our loan approved. We are truly grateful. Thank you so much to your team New Zealand
5.0 2020-12-16 Robin I am very happy with the whole ordeal. Very smooth and no problems what so ever. Felt very confident and relaxed through my loan. Thank you very much Harmoney. Merry Xmas New Zealand
5.0 2020-12-16 tayla This has been one of the best experiences I've had with finances in a long time, I had a few technical difficulties during the day but the team members I spoke to were lovely and extremely helpful, I really appreciate it. New Zealand
5.0 2020-12-07 martha excellent service as always prompt & great communication from harmoney staff
highly recommended & have advised family & friends of harmoneys loan services New Zealand
highly recommended & have advised family & friends of harmoneys loan services New Zealand
5.0 2020-12-06 Anonymous Customer So easy and fast ...was great not having to log into different things just to get your finances... New Zealand
5.0 2020-11-25 Sarah Easiest loan application ever. Seamless and great service. New Zealand
5.0 2020-11-23 Colin Great service, loan approved in 1 hour. New Zealand
5.0 2020-11-19 David Thank you guys excellent job when I need a loan well done thanks Harmony. New Zealand
5.0 2020-11-05 Robert Completely amazed to be honest (at the speed and ease of the loan process here). Stunned actually. Speechless.
Granted that my credit rating is 1000 and that I have a guaranteed permanent secondary teaching position but I have NEVER experienced or expected anything as smooth as this Harmony process (FYI: I am 57 years old and a property owner of one rental and have gone through many mortgage and loan applications in the last 20 years. I also have an extensive 30-year secondary teaching career alongside this).
Despite my strong credit history, no hire purchases, an $82 000 salary (guaranteed), and a $610 weekly rental income, my regular bank would not loan me the extra $10 000 needed to complete a new sleepout because, in their view, I was reaching beyond a financial ceiling that they would not finance.
It left me in a pretty pickle as I wanted to complete the sleepout in Christchurch before the 2021 academic year so that I could take advantage of the influx of NZ students into the city post-New Year. The conceting and foundation is down already so, really, it is not going to take too much to complete the actual structure.
My regular bank simply did not want to know despite an extremely positive valuation from a registered and accredited valuer.
Getting this loan is actually a kind of miracle for me. The property has been in my family's hands for 45 years but now I am really adding value and getting some good returns on it (I am also not over-leveraged compared to Auckland properties).
All I can say is, THANK YOU Harmony as I don't have to go back to my bank anymore to beg for the funds required.
Can I also add that I am greatly heartened that I can pay the loan back at anytime without any financial penalty. It really is a great deal tbh and I would recommend this lender to anyone out there who is stuck for funds New Zealand
Granted that my credit rating is 1000 and that I have a guaranteed permanent secondary teaching position but I have NEVER experienced or expected anything as smooth as this Harmony process (FYI: I am 57 years old and a property owner of one rental and have gone through many mortgage and loan applications in the last 20 years. I also have an extensive 30-year secondary teaching career alongside this).
Despite my strong credit history, no hire purchases, an $82 000 salary (guaranteed), and a $610 weekly rental income, my regular bank would not loan me the extra $10 000 needed to complete a new sleepout because, in their view, I was reaching beyond a financial ceiling that they would not finance.
It left me in a pretty pickle as I wanted to complete the sleepout in Christchurch before the 2021 academic year so that I could take advantage of the influx of NZ students into the city post-New Year. The conceting and foundation is down already so, really, it is not going to take too much to complete the actual structure.
My regular bank simply did not want to know despite an extremely positive valuation from a registered and accredited valuer.
Getting this loan is actually a kind of miracle for me. The property has been in my family's hands for 45 years but now I am really adding value and getting some good returns on it (I am also not over-leveraged compared to Auckland properties).
All I can say is, THANK YOU Harmony as I don't have to go back to my bank anymore to beg for the funds required.
Can I also add that I am greatly heartened that I can pay the loan back at anytime without any financial penalty. It really is a great deal tbh and I would recommend this lender to anyone out there who is stuck for funds New Zealand
5.0 2020-11-04 Anonymous Customer Harmoney has always been a very good loan provider thank you for making life easier for me, and being able to afford life changes. New Zealand
5.0 2020-10-22 Hayley Great quick service, fast loan turnaround A+++ New Zealand
5.0 2020-10-15 Romaine Harmoney is a good honest transparent loan company. Thanks heaps!! New Zealand
5.0 2020-10-07 Te Easy quick and loan terms are fair and interest rates are good. Good experience New Zealand
5.0 2020-08-31 Simon Great application service. Thanks for an easy Loan process. Highly recommend :) New Zealand
5.0 2020-08-29 Meleane I will be forever so grateful to Harmony for reaching out to help when I needed to consolidate my loans and to help with my mother's eye surgery within minutes. It took me a good 20 mins just to sit and embrace the the great news. New Zealand
5.0 2020-08-25 Todd Very good patience by Mel on phone explaining loan process, and acceptance. Simple application process and clearly explained next steps New Zealand
5.0 2020-08-12 Angela Harmoney never fails to help, truly one of the best finance company to deal with. They always give options and I believe they always have your best interest at heart, thanks Team New Zealand
5.0 2020-08-10 Lachlan Harmoney is incredibly painless, great UX. I love the non-personal aspect of it. New Zealand
5.0 2020-08-06 carolien Very efficient professional experience. Thanks Harmony for the stress free loan approval at great competitive rates New Zealand
5.0 2020-07-01 Miako Fast and affordable
Recommend to all family and friends
And the chat and email responses were fantastic. Kris from Customer Care online chat was there and respond fast. I applied online for a loan from Instant Finance takes a week before they contacted me if still interesting too bad i applied with Harmoney only minutes and i found out that got approved. I m still waiting now for a second quote coz i changed the amount but 24hrs not over yet as promised. Thanks and keep up the good work. When you treat customer right they wont ever leave Auckland, New Zealand
Recommend to all family and friends
And the chat and email responses were fantastic. Kris from Customer Care online chat was there and respond fast. I applied online for a loan from Instant Finance takes a week before they contacted me if still interesting too bad i applied with Harmoney only minutes and i found out that got approved. I m still waiting now for a second quote coz i changed the amount but 24hrs not over yet as promised. Thanks and keep up the good work. When you treat customer right they wont ever leave Auckland, New Zealand
5.0 2020-06-21 Saurabh It’s great to have loan process so easy.
Not too many requirements. New Zealand
Not too many requirements. New Zealand
5.0 2020-06-15 Rona Thank you for the great stress free service. It was so easy to apply and receiving the notification "your loan is approved" is by far the most wonderful news to receive on a Friday afternoon. God Bless Team Harmoney Auckland, New Zealand
5.0 2020-05-12 Ali Great service, great loan provider New Zealand
5.0 2020-02-03 Stephanie I have been a customer for a few years now and you guys are the best loan company to deal with New Zealand
5.0 2020-01-21 Anonymous Customer Harmony is best loan, very simple and easy to apply. They respond very fast.
Thank to Harmony. New Zealand
Thank to Harmony. New Zealand
5.0 2020-01-21 Sofia It was great to get a loan and tahnk you, but if you take too long in the debt section it times out and does not save your information, it was very frustrating. Thanks, Sofia New Zealand
5.0 2020-01-21 Vicki Excellent finance provider, extremely efficient and fast process. New Zealand
5.0 2020-01-20 Stewart hassle free and great to see a real time loan balance New Zealand
5.0 2019-12-31 Juna Application was easy to fill out and request loan. Communication was very good, always knew where my application was in the system BOP, New Zealand
5.0 2019-12-27 Senituli So helpful and good finance New Zealand
5.0 2019-12-18 Anonymous Customer Excellent service, love that we have been recognised for being good payers and been given a loan at a good interest rate. Thank you New Zealand
5.0 2019-12-13 Goretti Simply the best, easy user friendly loan application system, 10/10 New Zealand
5.0 2019-12-10 Shane Excellent most of my loan's have been approved so I am hoping this is approved be a great Christmas gift thanks Rotorua,bay of plenty, New Zealand
5.0 2019-12-05 Anonymous Customer best experience looking for a loan, service was great, quick and easy New Zealand
5.0 2019-12-02 Martin Great
Working in the finance industry aside from my errors in submitting its very slick New Zealand
Working in the finance industry aside from my errors in submitting its very slick New Zealand
5.0 2019-11-28 Danny Harmoney has been the best, Thank you for loan. Esp Jason for helping me finish this. Excellent help and service New Zealand
5.0 2019-11-13 Anonymous Customer Great service, well done to establishing such an efficient loan lending terms. New Zealand
5.0 2019-11-13 Marc Quick, easy and affordable process. This loan has enabled me to grow my business by investing in much needed plant. I was given a pre approved amount which gave me confidence to complete the purchase prior to drawing down the funds. Thanks New Zealand
5.0 2019-10-09 Trecia Very easy and quick application, confident that personal details are confidential. New Zealand
5.0 2019-10-05 Robert Easy and quick service. My loan was approved in just 5 minutes.
Easy to follow instructions.
I compared with other agencies and harmony had the best offer. , New Zealand
Easy to follow instructions.
I compared with other agencies and harmony had the best offer. , New Zealand
5.0 2019-09-27 Lalotalie Best Finance in the world Auckland - Central, New Zealand
5.0 2019-09-19 Anonymous Customer Adam is a genius, I am computer illiterate. Having someone as awesome and helpful like Adam in your team gives reassurance and determination for individuals like me to advance on the the Harmoney Loan. Adam, You are a Legend and a great asset to Harmoney, I hope that your company realizes that fact as well New Zealand
5.0 2019-09-16 Shree Pretty Hi-Tech, good navigation to get loan approved. New Zealand
5.0 2019-09-06 Anonymous Customer So easy and quick, the best online loan service you can get. New Zealand
5.0 2019-09-06 Deve Awesome friendly service and very polite and professional. The person who initiated the loan for me was fantastic on the phone, he was very knowledgeable and pleasant. Well done!! Waikato, New Zealand
5.0 2019-09-04 Mohammad Excellent service and loan approval process is really fast Christchurch Central, New Zealand
5.0 2019-09-03 Albert Great support from staff to assist with loan process. Quick service New Zealand
5.0 2019-08-27 Anonymous Customer Harmoney has helped me a lot with my Finances. Great service. New Zealand
5.0 2019-08-21 Anonymous Customer Harmony loan process is by far the best ever/stress free process. This is the easiest & efficient financial provider in NZ. New Zealand
5.0 2019-08-07 Ron I have found applying for my loan Quick and easy and response time excellent New Zealand
5.0 2019-07-25 Noel Kirsten is very nice and helpful to get this loan faster. Excellent customer service. New Zealand
5.0 2019-07-15 Chris very impressed with the easy online processing of the loan New Zealand
5.0 2019-07-08 Celine I didn't know about harmony before this application and found out about it through another website and that it is a very good way of getting a loan when needed 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 or 5 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 assesment - 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).