Get a better deal on a personal loan so you can get on with Life.

100% Online Rates from 9.99% p.a. Up to $70K, Unsecured
Interested in being a lender? Click here.

Harmoney has matched Borrowers and Lenders for loans totalling $504 million.

12,014 for debt consolidation 3,925 for home improvements 3,573 for other reasons 3,126 for travel 1,747 for used vehicles 1,211 for business cash flow

… 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

Click here to see reviews from independently verified Borrowers

And the national press are taking notice…

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.

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.