SIMPLE 100% ONLINE PROCESS

No queues, no need for any awkward face-to-face meetings - our process is 100% online, 24/7.


Won’t affect your credit score

Getting a Harmoney loan

Getting a Harmoney loan is a simple and fast process that can be done entirely online in a few minutes - with no need for awkward face-to-face interviews; you don't even need to leave the couch! 

We’ve created a streamlined, 100% online process to ensure you end up with an interest rate and a loan amount that suits your circumstances.

step 1


1. Create an account

We ask you to create an account upfront, so we can keep the information we need to give you a personalised rate safe. It’s super easy and secure.

You can quickly and easily create your account by signing up with your Google (or Facebook) account or you can use your email address.

step 2

2. Tell us about you and your loan

The first step is for us to get to know you and understand how a Harmoney loan will help you.

We will need to verify your identity, so you will need to have your NZ Drivers License or Passport details handy.

We will also access your credit information at this point, but this won't affect your credit score.

step 3

3. Share your financial details

Next, we need a clear understanding of your income. By allowing us to view your bank accounts we can get an up-to-date snapshot of your finances straight away.

Using secure bank-grade technology we access a read-only view of your bank statements for the past 90 days. With a clear picture of your finances we can then estimate your income.

step 4

4. Get your quote

Next we need a clear understanding of your income. By allowing us to view your bank accounts here we can get an up-to-date snapshot of your finances straight away.

Using secure bank-grade technology we access a read-only view of your bank statements for the past 90 days. With a clear picture of your finances we can then estimate your income.

The process takes only a few minutes and helps us assess a loan and an interest rate personalised to your financial circumstances.

Later in the application we will ask you to confirm if the transactions we have identified are your income.

If you wish to skip this step, you will have to verify your income manually by uploading three months of bank statements as a PDF.

step 5

5. Finish your application

You’re only a few short steps away from finalising your loan and submitting it for funding!

At this point, we will record a credit check on your credit file with the New Zealand credit bureaus.

step 6

6. Get your money

Most loans listed in the Harmoney marketplace are fully-funded within 24 hours.*

Once your loan is fully funded, we transfer the money to you, or if you are doing debt consolidation we pay out your debts directly and then transfer any extra money into your bank account.

*Subject to funding, 99% of loans submitted to the marketplace reach full funding within 24 hours (based on loans submitted in 2018)

 

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Won’t affect your credit score