Our Story

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Harmoney was founded with bold ambitions and a game-changing vision: to turn lending upside down by introducing a marketplace finance model that changes the way Kiwis think about money, for good.

Our story

Harmoney was founded with bold ambitions and a game-changing vision: to turn lending upside down by introducing a marketplace finance model that changes the way Kiwis think about money, for good.

The New Zealand finance market is dominated by some of the most profitable banks in the world. Largely unchallenged and unchanging, the banks have reaped massive profits while leaving Kiwis with little in the way of alternatives.

We started Harmoney to change this.

Peer to peer lending marketplaces have been disrupting the traditional finance market around the world by using technology to minimise the cost of financial intermediation, and passing the benefits to customers.

We built Harmoney from the ground up to create a better financial experience. Better because it’s branchless. Better because it’s a transparent, two-sided market. And better because it’s not focused on institutions, but on people.

We don’t believe that money is everything, but we do believe it’s an effective tool to remove barriers, and find a balance between what people want, and what they need.

We believe that peer to peer lending is changing the way that the world borrows and invests.

We’ve brought the change to New Zealand.

Welcome to Harmoney.

Our partners

We work with the following organisations and businesses.

Simpson Grierson
Deloitte
D&B
Experian
Centrix