Combine your Harmoney loans with debt consolidation

We make refinancing debt easier and fairer

Refinance debt 100% online in a matter of minutes.

01

Fewer debts, less hassle

Roll multiple debts into one, so you only have to deal with one interest rate and one repayment schedule.

02

Get sorted faster

Refinancing high-cost credit like credit cards and store cards can help you break free from the debt spiral.

03

Lower your interest payments

With our fair, personalised interest rates, you may qualify for a better rate than you’re currently paying.

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Won't affect your credit score.

Frequently asked questions

What does “Combine my loans” mean?

‘Combine my loans’ allows you to repay your existing Harmoney loans by taking out 1 new loan. Your new loan principal will comprise the remaining balance of your current loan(s), all combined into a single, ongoing monthly repayment for a single term.

When you combine your loans, you may also have a choice when it comes to the term of the new loan (for example, a longer term than your existing loans would help reduce your monthly repayment amount). But don’t worry, you’ll still have the freedom to repay your loan early without any early repayment fees.

What if I want to borrow more as well?

Customers who are able to manage additional funds may borrow more at the same time as consolidating their Harmoney loans. See here for more information and to see if you qualify.

Why can’t I extend/shorten my term?

You will be offered the loan terms that allow you to safely repay your new loan. This will either be 3, 5 or 7 years, depending on your financial situation.

If you are only offered a longer term, don’t worry, you’ll still have the freedom to repay your loan early without any early repayment fees.

Can I include non-Harmoney debts?

Yes, you are able to select both Harmoney loans and debts with other providers in a debt consolidation loan, provided you are able to manage the repayments for the new loan.

Note that debt consolidation loans including debts from other providers are not eligible for an establishment fee waiver.

Will combining my loans affect my repayments?

Yes. When you combine your Harmoney loans:

Your current loan(s) are repaid, and your new loan principal will comprise the remaining balance of those loan(s).
You will have one monthly repayment instead of multiple scheduled repayments.

Do I have to consolidate all of my Harmoney loans?

No, you can choose to keep some/all of your Harmoney loans separate. We’ll ask you which one(s) you’d like to combine.

Will combining my loans cost more?

It depends on the term, interest rate, and fees that apply to your new loan.

You’ll be able to see the full details in your quote before you have to decide. You can review your options (if available) and choose the one that works best for your situation.

And remember, even if you choose a longer term, you can repay your loan earlier with no early repayment fees.

100% online

Our AI-driven quote process is 100% online.

No paperwork, no queues and no need for awkward face-to-face meetings.

Super fast

Simply tell us about yourself and your finances and accept the terms to get funded in minutes

Rates tailored to you

Interest rates are based on your individual credit assessment - not one-size-fits-all.

What we offer

Loan amount

$2,000 - $100,000
Interest rate from²

7.99% - 24.99% p.a.²
Establishment fee

$150
Repayment frequency

Weekly, fortnightly, or monthly
Loan type

Unsecured

Loan terms

3, 5 or 7 years¹
Early repayment fee

$0
Rate type

Fixed rate
Lightning FAST funding

Typically less than 5 minutes
Get your money fast

No queues and no need for awkward face to face meetings.

How to apply

01

Get to know you

Tell us about the personal loan you want, then provide us with some details about yourself and your finances.

02

Get your quote

We’ll give you a detailed quote with your interest rate, borrowing limit and repayments.

03

Get your money

After accepting the terms and providing some final details, most people receive their money in less than 5 minutes after loan acceptance.

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Won't affect your credit score.

Lightning FAST ⚡

Instant quotes, zero paperwork

Our AI-driven quote process is 100% online and paperwork-free. Get answers in seconds, so you can keep moving forward.

$2,000 to $100,000

Our unique AI will assess your needs and finances to offer you an affordable personal loan that suits your lifestyle.

Personalised for you in a flash

Our smart technology tailors your quote instantly – just answer a few questions, and let AI do the rest.

Lightning fast approvals

Get a quick quote in minutes and in most cases loans are funded in less than 5 minutes. It’s that easy!

Consolidate debt today

Taking control of your debt is the first step to healthier finances.

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Won't affect your credit score.

How customers rate us

4.8 out of 5 stars - based on 39,798 reviews

4.8

37,009 Reviews

4.7

173 Reviews

4.7

2,616 Reviews

What our customers say

Salman Q.

Last Month

Very simple process

Jason R.

Last Month

Allways easy to complete loan application ...great service

Ivan P.

Last Month

Outstanding service at all stages of a loan, always very fast and efficient - from loan application to closing/paying it off. The team at Harmoney is amazing, thank you!

Cherry L.

Last Month

always easy and quick process.

Dark D.

Last Month

average rating is 5 out of 5 Site is well laid out and takes the stress out of the process

Martin

Last Month

Fast and efficient, no hassles, thanks.

Foo M.

Last Month

Nice simple process, very open and transparent. And no early settlement fees! This definitely will be my go to if I need money quickly.

Sandra L

Last Month

Very impressed with the service. Super easy application and super friendly and efficient staff. Thanks so much Harmoney.

Mark T.

Last Month

Very quick and easy to deal with ,no hassles or stress

Sal L.

Last Month

Very quick and easy loan application process - was finished in less than 1o minutes.

Erana C.

2 months ago

Excellent service so easy to do. Really pleased with how quick and efficient it was to get a loan. Thank you all very much. Too be able to do debt consolidation to pay off my loans all at once is really great. Kind regards Erana

Shaun

2 months ago

This star review is for Marija. After filling out the form for a free quote online, it was initially a bit frustrating to receive email responses from Australia, with no Austrialian Harmoney personal email address or profile image associated with the person's name. It was really great to receive a response from someone at the NZ office — a real person, with their own Harmoney email address and profile image! It was reassuring to reply directly. When my quote was initially approved for a higher amount than I originally requested, I was only shown a "Continue" button to proceed. It felt initially daunting to click it, coz i thought it was going to accept that higher amount & also without seeing the terms upfront. Marija was incredibly helpful in addressing my concerns. She provided example screenshots showing of what appears beyond the point of clicking the "Continue" button, that you can respecify the amount you want(up to max amount) and that the terms are shown to me to print/download them, before reaching the final "Agree" button to accept them. That reassurance made such a huge difference in further progressing my application. Wonderful Marija! 👍

Eligibility Criteria

To get a quote in New Zealand;

You must be 18 years or older.

You must be a New Zealand citizen, Permanent Resident or Australian citizen.

Your credit file must not have any defaults, judgments or bankruptcies.

You must have paid employment (which may include self-employment).

You need to borrow at least $2,000 with your loan.

You need to have photo identification documents such as your valid New Zealand passport or driver’s to licence, to hand.

If you are not eligible now, you may be in the future.