Welcome to Harmoney

Where everyday people, lend money
to other everyday people, for everyday things.

main computer

LEND:

Diversification
Reliable asset class
F.M.A. Regulated

Or call
0800 427 666

(Mon - Fri, 9am - 6pm)

BORROW:

100% online
Funded in 24hrs
Personalised Rates

Or call
0800 000 118

(Mon - Fri, 9am - 6pm)

Peer-to-Peer
Personal Loans

main computer

canstar

100% online
99% funded in 24hrs
Rates from 9.99% p.a.
Up to $35k unsecured

Welcome to Harmoney

Welcome to Harmoney

Where everyday people, lend money to other everyday people, for everyday things.

Where everyday people, lend money
to other everyday people, for everyday things.

LEND MONEY:

LEND MONEY:

Diversification
Reliable asset class
F.M.A. Regulated

Diversification
Reliable asset class
F.M.A. Regulated

BORROW MONEY:

BORROW MONEY:

100% online
Funded in 24hrs
Personalised Rates

100% online
Funded in 24hrs
Personalised Rates

Peer-to-Peer
Personal Loans

Peer-to-Peer
Personal Loans

100% online
99% of loans funded in 24 hours
Personalised Rates

Harmoney is New Zealand's leading Peer-to-Peer money Marketplace, where everyday people lend money to other everyday people.

Harmoney has matched Borrowers and Lenders for loans totalling $296 million.

8,033 for debt consolidation 2,341 for home improvements 1,742 for travel 1,155 for used vehicles 670 for business cash flow 483 for household items

… plus 5,249 other loans.

Harmoney has matched Borrowers and Lenders for loans totalling $296 million.

8,033 for debt consolidation 2,341 for home improvements 1,742 for travel 1,155 for used vehicles 670 for business cash flow 483 for household items

… plus 5,249 other loans.

What is Peer-to-Peer Lending and why is it better?

Marketplace

Harmoney is a peer-to-peer money marketplace - where everyday people borrow money from (and lend money to) other everyday people. Hence the term 'peer' to 'peer.'

Harmoney is not the one lending the money - our Lenders do that. Instead, our role is to administer the Marketplace, as well as acting as an intermediary between Borrowers and Lenders, so you can keep your anonymity.

So why is this a great option for you? If you're borrowing, we give you access to fairer rates, and the flexibility to borrow money on your own terms. If you're lending, we give you access to superior investment returns, while diversifying your investment portfolio.