Harmoney has matched Borrowers and Lenders for loans totalling $504 million.
… plus 4,971 other loans.
We set out to make a difference
And it's working for thousands of Harmoney Borrowers.
Great that this could be done on-line, with little fuss or bother.
OMG this process was so easy i can't even thank you for helping me be able to breathe again. debts are paid
A better borrowering experience for Kiwis.
Harmoney is a peer-to-peer money marketplace — where everyday people can borrow money from (and lend money to) other everyday people.
If you're borrowing, why is this a great option for you? We give you access to fairer rates, and the flexibility to borrow money on your own terms.Find out how it works.
“How much would you like to borrow?”
Select your preferred loan term
36 month term
60 month term
Enter amount from $1,000-$70,000
- 100% online application
- Rates from 9.99%
- Up to $70,000, unsecured
- Funded in hours**
Personal loan calculator
Harmoney's personal loan calculator is an easy way to get an indication of how much money you can you can borrow and how much your monthly or weekly payments may be.
* The Legal Stuff
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.