loans up
to $70,000

Apply online in minutes
Rates from 6.99% — 29.99% p.a.*
Borrow $1K — $70K unsecured
No break fees for early repayment
Get a free no-obligation estimate.
Or call 0800 427 666 (9am - 6pm)

Simple 100% online process


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.


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.


Choose your terms

Review your personalised interest, loan amount and select the length and loan options that work best for you.


Getting funded

Once funded, the money is deposited into your bank account, or disbursed to pay off your debts (if you're consolidating debt).

Get a free no-obligation estimate
Start now
Or call 0800 427 666 (9am - 6pm)
Small green fuzzy Debt Monster holding sign that says Boo!

Debt monsters keeping you up at night?

Whether you need help chasing away the Debt Monsters from your life, or getting them under control before they grow monstrous, check out a Debt Consolidation loan today.

Find out more

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 your money 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?

Get a free no-obligation estimate
Start now
Or call 0800 427 666 (9am - 6pm)

Our rates and fees

In a nutshell

Platform fee
Early termination fee
Loan limits
$1,000 — $70,000
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 Download

What our customers are saying.

Probably the most easiest and relaxed experience i have had trying to get a loan.

Robert S, Lower Hutt, Mar 20, 2018

omg the intrest rate compared to the banks are awesome and easy to process as much thanks to you all at harmony.

Tapora T, Waikato, Mar 26, 2018

Easy to apply / great service / better rates than banks.

Tracy-Anne, Lower Hutt, Mar 22, 2018

Great service, quick and efficient. No problems. Would definitely recommend!

Suzanne, Dec 11, 2017
5 stars
4.7 Overall Rating
Shopper Approved
4.7 Overall Rating

Ready to begin?

Get a free no-obligation estimate
Start now
Or call 0800 427 666 (9am - 6pm)

Trust and Security



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?

Get a free no-obligation estimate
Start now
Or call 0800 427 666 (9am - 6pm)

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.