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Personal loans to start almost anything.

Fixed personalised interest rates from 6.99% p.a. to 19.99% p.a. (plus an establishment fee of $150).¹

Won’t affect your credit score

Canstar winner 7 years in a row
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CANSTAR 2020 Outstanding Value Personal Loan
CANSTAR 2021 Outstanding Value Personal Loan OL

What our customers say

5.0 It is easy to get a loan approval and very good rates. new zealand
5.0 Kia Ora, Thanks so much, easy process. Great advice over the phone on my question over early repayment of the loan and interest not being the full term but calculated based on when it’s paid.
new zealand
5.0 Great service, easy application and the best company to deal with for a personal loan new zealand
5.0 So quick and hassle free. Best loans service I've ever dealt with new zealand
5.0 Awesome Service! So happy I can consolidate my loans with Harmoney! Thank you! new zealand
5.0 My very heartfelt thanks to Harmoney for helping out with our finances during our desperate needs. So much grateful talking with your staff. Keep up the good works. God bless. new zealand
5.0 Great service and ease of loan process new zealand
5.0 Absolutely awesome to deal with and so fast and easy. Better than any other finance company I have ever dealt with:) , new zealand
5.0 Wow.. dealing with Harmoney has been the simplest and quickest loan application I have ever experienced. Outstanding service and life savers. new zealand
5.0 The best loan service in nz new zealand
5.0 Absolutely fantastic, took me about 10mins and loan was accepted, great fast service highly recommend new zealand
5.0 -Good customer service
-Fast processing of loan application
-Low interest rate
new zealand
5.0 they are great - almost too easy I am from a banking background and din Harmoney better in the personal loan space than a bank new zealand
5.0 This is great way to apply for loan quick and easy New Zealand
5.0 Stress Free and Staright Forward. Staff over the phone were patient and respectful, and the Lady Mitch I had a Chat took her time to explain via email the answers of my questions. Harmoney's response time was quick and wouldn't keep the borrower waiting for a long poeriod of time.

Hadn't Harmoney invited me to make another Loan, I never knew about it. While its a customer focused..., its an awesome system and marketing Harmoney had set things up that works both ways, a give and take reciprocity. Thank You.
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.

If you took out a loan with us before 26 August 2021, you may be eligible for a payment under the borrower establishment fee rebate.

What we offer

$2K - $70K

Loan limits
3, 5 or 7 years

Loan terms

Establishment fee

Early repayment fee
  • Fixed interest rates from 6.99% p.a. to 19.99% p.a.¹
  • Establishment fee of $150
  • 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.

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No queues and no need for awkward face to face meetings.

Personalised rates icon

Interest rates are based on your individual credit assessment - not one-size-fits-all.

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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.

Car icon

Got your eye on that new or used vehicle? Our auto loan can help get you out on the road.

Find out more

Personalised rates icon v2

Worrying about paying for education is no help when you are trying to study. Reduce stress by covering expenses with an education loan.

Find out more

Debt con icon

A debt consolidation loan can replace your old debts with a single repayment designed for your personal circumstances.

Find out more

Holiday icon

Create memories with the trip of a lifetime. Visit family, a favourite travel destination, or somewhere you've always wanted to go.

Find out more

Simplify icon

Whether you own a business or are starting a new one, a personalised business loan may help you kickstart your growth.

Find out more

Medical icon

A medical loan can take away the stress and worry of hospital expenses and allow you to solely focus on your health.

Find out more

Wedding icon

A wedding loan can help you achieve exactly what you have in mind for that special day.

Find out more

Renovation icon

A home improvement loan could help you achieve the living spaces that you have dreamed of having.

Find out more

We're real people and we're here if you need us

If you need help, just give us a call on 0800 427 666 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

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Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates 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 loan terms being accepted (based on loans submitted in 2021).