Let's be Kiwi with money

compliance books

LEND:

Diversification
Reliable asset class
F.M.A. Regulated

Or call
0800 427 666

(Mon - Fri, 9am - 6pm)

BORROW:

100% online
Funded in 24hrs
Borrow up to $70k

Or call
0800 427 666

(Mon - Fri, 9am - 6pm)

compliance books
compliance books

Let's be Kiwi with money

LEND MONEY:

LEND MONEY:

Diversification
Reliable asset class
F.M.A. Regulated

Diversification
Reliable asset class
F.M.A. Regulated

BORROW MONEY:

BORROW MONEY:

100% online
Funded in 24hrs
Up to $70k Unsecured

100% online
Funded in 24hrs
Borrow up to $70k

Harmoney has matched Borrowers and Lenders for loans totalling $396 million.

10,081 for debt consolidation 3,262 for home improvements 2,592 for travel 1,501 for used vehicles 914 for business cash flow 733 for household items

… plus 6,631 other loans.

Harmoney has matched Borrowers and Lenders for loans totalling $396 million.

10,081 for debt consolidation 3,262 for home improvements 2,592 for travel 1,501 for used vehicles 914 for business cash flow 733 for household items

… plus 6,631 other loans.

What is Peer-to-Peer Lending and why is it better?

Marketplace

Harmoney is a peer-to-peer money marketplace - where everyday people borrow money from (and lend money to) other everyday people. Hence the term 'peer' to 'peer.'

Harmoney is not the one lending the money - our Lenders do that. Instead, our role is to administer the Marketplace, as well as acting as an intermediary between Borrowers and Lenders, so you can keep your anonymity.

So why is this a great option for you? If you're borrowing, we give you access to fairer rates, and the flexibility to borrow money on your own terms. If you're lending, we give you access to superior investment returns, while diversifying your investment portfolio .

10 Ways to a better credit rate

NZ F 1601011 eBook

If you're curious about credit ratings, and how savvy Kiwis are improving their financial well-being with some simple tricks, we've written a free eBook.

Download "10 ways to a better credit rate" and learn how you could improve your credit record by managing your loan well.

Plus, click here to learn more about credit scoring in New Zealand, Comprehensive Credit Reporting, and how Harmoney can help you.

Download our eBook

* 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.