Borrower FAQs

Can I cancel the loan?

You can cancel the loan within seven working days of the day we email you the loan disclosure (this is called the cooling-off period). If you decide to cancel the loan, you must do all of the following:

  • You must give us a written cancellation notice. You can email the notice to us at customerservice@harmoney.co.nz  or via your Harmoney dashboard.
    We must receive the notice
    within the seven-day cooling-off period.

  • You must repay all loan money we have advanced (less any repayments already made). Payment must be in full and in cleared funds.

Please note that Saturday, Sunday and national public holidays do not count as working days.

If you cancel the loan during the cooling-off period, you will not be charged the Establishment Fee or the Payment Protect fee, if you have selected that option.
You will need to repay only the net amount you wanted to borrow and that has been advanced to you.