Borrow up
to $50K

Personalised interest rates
from 6.99% — 24.69% p.a.*

Won’t affect your credit score

COVID -19: Help and information for our customers. Find out more on our Covid-19 Updates page.

Simple 100% online process


Get to know you

Tell us about your loan and provide us some details about yourself and your finances.


Get your quote

We provide a detailed quote with your interest rate, borrowing limit and repayments.


Get your money

Accept your quote and provide some final details. Most loans listed in the Marketplace are fully funded within 24 hours.*

Apply now
*Subject to funding, 99% of loans submitted to the marketplace reach full funding within 24 hours (based on loans submitted in 2018)

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 process.

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.

Get started

Get a quote

Won’t affect your credit score

Our rates and fees

An overview

Establishment fee
$200 or $450
Early termination fee
Loan limits
$2K — $50K
Loan terms
3 or 5 year

You also need to know...

  • All loans are unsecured
  • Rates 6.99% — 24.69% 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 $50,000. No early repayment fee.

What our customers are saying.

Oh my! I am so impressed how efficient Harmoney is. When we needed funds to pay debt & household items. The application was easy, fast & the customer service was excellent. Highly recommended.

Lucy P, Auckland, 26 March 2020

The time it took from application to approval has been remarkable, the staff has been of great assistance.

Anthony F, NZ, 16 March 2020

I have been with Harmoney for a few years now, and I still love how efficient staff are in helping me achieve what I want. Thanking you all.

Patricia M, NZ, 16 March 2020

Everyone is so helpful, I have had to make a couple of phone calls asking questions and each person was very helpful and explained everything I needed to know.

Janet O, NZ, 16 March 2020
5 stars
4.7 Overall Rating
Shopper Approved
4.7 Overall Rating

Get started

Get a quote

Won’t affect your credit score

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

Get started

Get a quote

Won’t affect your credit score

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 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.