Mike Travis

General Counsel

General Counsel at Harmoney. 15 years in-house counsel in New Zealand and overseas, focused on technology businesses and digital transformation.

Subject to approval. Harmoney offers fixed-rate unsecured personal loans at 7.99% p.a. to 24.99% p.a. on 3, 5 and 7 year terms. The rate offered to you depends on your individual credit assessment under Harmoney's credit scorecard. You must meet Harmoney's credit criteria and responsible lending requirements to be approved. Establishment fee $150. Fees, charges, terms and conditions apply.

An establishment fee of $150 applies to all Harmoney personal loans. There are no monthly fees and no early repayment fees.

Harmoney personal loans are available on 3, 5 and 7 year fixed-rate terms. Not all terms may be available for all loan amounts. Loan terms subject to availability.

Figures are based on 2026 Harmoney NZ new-customer data. Times and figures are indicative, vary by individual circumstances and bank processing, and are not guaranteed. "In as little as" figures reflect fastest-case outcomes, not typical results (most take longer). Quote time is measured from application start to offer; payout time from loan agreement acceptance to funds transfer. Lending criteria and approval apply; rates are personalised.

Funding speed: 93% of loans are funded within 24 hours of approval — based on 2025 funded loans in AU+NZ, measured from application completed (loan agreement accepted) to funded (disbursal). Individual funding times vary.

You are protected by responsible lending laws. Because of these protections, the recommendations given to you about personal loans are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.