People investing in people

Borrow money or lend money to people just like you.

People investing in people

Borrow money or lend money to people just like you.

How peer-to-peer lending works:

how it works funding 182x88

Step 1:

A Borrower applies for a personal loan, then when approved, lists it in the Marketplace.

how it works investors 90x90

Step 2:

Multiple Investors fund the personal loan in small amounts until it is fully funded.

how it works repayments 87x86

Step 3:

The Borrower then repays the Investors over the next 3-5 years via Harmoney.

Harmoney has matched borrowers and investors for loans totalling $125 million.

3,912 for debt consolidation 763 for home improvements 666 for travel 497 for used vehicles 192 for household items 191 for weddings

… plus 2,415 other loans.

What’s in the personal loan Marketplace now?

Below are some of the loans that are live in our marketplace now. Click here to see the full Marketplace.

Fast,easy and reliable company.Got my loan approved in...
1 day ago.
Funded: 77%
Grade: D2 Age: 20-29
Trying to get ahead in life after the...
1 day ago.
Funded: 75%
Grade: B2 Age: Above 60
harmoney can help me when I account with...
7 days ago.
Funded: 75%
Grade: B1 Age: 50-59
It is fantastic service and much easy to...
1 day ago.
Funded: 72%
Grade: A5 Age: 30-39
This will enable me to restructure debt into...
1 day ago.
Funded: 66%
Grade: B5 Age: 50-59
My business is at a critical point where...
4 days ago.
Funded: 64%
Grade: A4 Age: 50-59
to be dept free make sure my children...
1 day ago.
Funded: 63%
Grade: C4 Age: 40-49
I am a hard working father with 7...
1 day ago.
Funded: 60%
Grade: B1 Age: 40-49

Data is updated every 20-30 mins.

What is Harmoney?

We are New Zealand's first licensed peer-to-peer lending Marketplace. Peer-to-peer lending has been an established and trusted way to borrow and invest money for over 10 years in the UK and USA. And now, we’ve brought it to New Zealand. Watch the video to hear first hand from our Borrowers and Investors why they chose Harmoney.

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?

Get started