loans up
to $70,000

Apply online in minutes
Rates from 6.99% — 29.99% p.a.*
Borrow $2K — $70K unsecured
No break fees for early repayment
Start an application now
Or call 0800 427 666 (9am - 6pm)

Money by Christmas?* Time until loan submission cut-off date:

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).

Start an application now
Start now
Or call 0800 427 666 (9am - 6pm)

Need the funds by Christmas? Submit your loan to the marketplace by 3pm on Friday, 21st Dec 2018.

*Cut-off date is for estimated time for borrower to receive the funds before 25th December 2018. Actual funding date may vary depending on bank processing times and other conditions, including processing delays.

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 funded 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?

Start an application now
Start now
Or call 0800 427 666 (9am - 6pm)

Our rates and fees

An overview

Establishment fee
$200 or $450
Early termination fee
Loan limits
$2K — $70K
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

Establishment Fee of $200 for loans from $2,000 to below $5,000 and $450 for loans from $5,000 to $70,000. No early repayment fee.


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.

Quick service and so easy. The team at Harmoney makes the process so manageable with on going feedback on the next step.

Michelle S, NZ, 29 July 2018

This was a top-up loan and was an unbelievably easy process. My loan was approved within minutes and the money was in the bank by the afternoon. A super-easy process!

Deborah R, Auckland, 28 July 2018

This is a very fastest way of dealing with my loan application. Appreciated and it helps a lot to reduce my stress level with my financial situation now.

Mele V, NZ, 24 July 2018

Thanks guys, you have been hassle free and awesome once again. So easy to sort things out.

Klaus and Maike R, NZ, 29 July 2018
5 stars
4.7 Overall Rating
Shopper Approved
4.7 Overall Rating

Ready to begin?

Start an application now
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?

Start an application now
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.