Fair and simple personal loans
Personalised rates from 6.99% p.a.¹
Won’t affect your credit score
What our customers say
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
Easy to follow instructions.
I compared with other agencies and harmony had the best offer. , New Zealand
Had loan approval confirmation within the hour and finance was deposited within 24 hours. Would highly recommend Harmony to friends and family.
Canterbury , New Zealand
What a sense of relief all my debt consolidation all under one loan.
Great interest rate which out did all banks and I was able to sleep a great night sleep the fact the loan came though and cleared all my numerous accumulating debt.
I can now how a much simpler life and a direction moving forward and know where I am at
Thank you Harmoney. Northland, New Zealand
shirley Northland, New Zealand
Very easy to access all bank details to set up auto payment
This way of getting approved to borrow money is far better than going to a bank or finance office or filling out forms
An excellent way to build a good credit rating for later on
Excellent Service Tauranga, New Zealand
Peter Auckland, New Zealand
Awesome!! , New Zealand
Our bank won't lend to our business, in it's 1st year of operation, even though we have equity. They won't even give a personal overdraft.
Thanks to Harmoney, I am now laughing my way to the bank, where I would have gladly paid more in interest if they had been even remotely interested. Our mainstream bank adversities with the following slogan: "Helping small businesses grow" ~ YEAH RIGHT....... I think that title belongs to HARMONEY.
Thank you Harmoney. When are you starting banking services? Auckland, NEW ZEALAND
I'm very impressed how the money was in my account the very same day. I am ever so grateful because I had been stressing out trying to find a solution and this happened! Thank you Harmoney. Auckland , 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.
What we offer
$2K - $70K
3 or 5 years
$200 or $450
Early repayment fee
- Interest rates from 6.99% p.a. – 24.69% p.a.¹
- Establishment fee of $200 for loans under $5,000²
- Establishment fee of $450 for loans $5,000 and over²
- 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.
Worrying about paying for education is no help when you are trying to study. Reduce stress by covering expenses with an education loan.
Got your eye on that new or used vehicle? Our auto loan can help get you out on the road.
Create memories with the trip of a lifetime. Visit family, a favourite travel destination, or somewhere you've always wanted to go.
A debt consolidation loan can replace your old debts with a single repayment designed for your personal circumstances.
A wedding loan can help you achieve exactly what you have in mind for that special day.
Whether you own a business or are starting a new one, a personalised business loan may help you kickstart your growth.
A medical loan can take away the stress and worry of hospital expenses and allow you to solely focus on your health.
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
Terms and conditions
1. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 24.69% 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. 99% of loan applications are funded within 24 hours of loans terms being accepted (based on loans submitted in 2018).
2. Establishment fee of $200 for loans from $2,000 to below $5,000 and $450 for loans from $5,000 to $70,000. Fixed rates range from 6.99% p.a. to 24.69% p.a. on 36 to 60 month terms, with no early repayment penalties.