# Harmoney New Zealand — loan products

Machine-readable reference. All regulated figures match the website (one source).

Harmoney Services Limited (FSP593769). Dispute resolution: Financial Services Complaints Limited (FSCL) – a Financial Ombudsman Service, membership 5288. Registration: NZBN 9429041238424.

## Personal Loan (unsecured)

- Interest rate: 7.99% p.a. – 24.99% p.a. (fixed)
- Loan amount: $2,000 – $100,000 (increments of $100)
- Terms: 3, 5 and 7 year
- Repayments: weekly, fortnightly and monthly
- Establishment fee: $150
- No monthly fees, no early-repayment fee.
- Page: https://www.harmoney.co.nz/personal-loans — markdown: request with Accept: text/markdown

## Car Loan (secured)

- Interest rate: 7.89% p.a. – 21.79% p.a. (fixed)
- Loan amount: $2,000 – $100,000 (increments of $100)
- Terms: 3, 5 and 7 year
- Repayments: weekly, fortnightly and monthly
- Establishment fee: $150
- No monthly fees, no early-repayment fee.
- Page: https://www.harmoney.co.nz/secured-loans — markdown: request with Accept: text/markdown

## Borrow by need

Amount windows are typical guidance for each need, not product limits; the loan amount ranges above apply.

- Fast Loan (Get money fast): https://www.harmoney.co.nz/loan/fast-loan — typical window $2,000 – $50,000 — Personal Loan — markdown: request with Accept: text/markdown
- Small Loan (Borrow a smaller amount): https://www.harmoney.co.nz/loan/small-loan — typical window $2,000 – $10,000 — Personal Loan — markdown: request with Accept: text/markdown
- Cash Loan (Quick cash when you need it): https://www.harmoney.co.nz/loan/cash-loan — typical window $2,000 – $30,000 — Personal Loan — markdown: request with Accept: text/markdown
- Low Interest Loan (Find a low rate): https://www.harmoney.co.nz/loan/low-interest-loan — typical window $15,000 – $100,000 — Personal Loan, Car Loan — markdown: request with Accept: text/markdown
- Short Term Loan (Repay sooner): https://www.harmoney.co.nz/loan/short-term-loan — typical window $2,000 – $20,000 — Personal Loan, Car Loan — markdown: request with Accept: text/markdown
- Easy Loan (Simple application process): https://www.harmoney.co.nz/loan/easy-loan — typical window $2,000 – $50,000 — Personal Loan — markdown: request with Accept: text/markdown
- Online Loan (Apply from home): https://www.harmoney.co.nz/loan/online-loan — typical window $2,000 – $100,000 — Personal Loan — markdown: request with Accept: text/markdown
- EV Loan (Electric vehicle financing): https://www.harmoney.co.nz/loan/ev-loan — typical window $10,000 – $100,000 — Personal Loan, Car Loan — markdown: request with Accept: text/markdown
- Car Loan (Car Loan): https://www.harmoney.co.nz/loan/car-loan — typical window $2,000 – $100,000 — Personal Loan, Car Loan — markdown: request with Accept: text/markdown

## Borrow by purpose

Amount windows are typical guidance for each purpose, not product limits; the loan amount ranges above apply.

### Personal Loan — /personal-loans/{purpose}

- Debt Consolidation (Consolidating my debt): https://www.harmoney.co.nz/personal-loans/debt-consolidation — typical window $5,000 – $100,000 — markdown: request with Accept: text/markdown
- Home Improvements (Improving my home): https://www.harmoney.co.nz/personal-loans/renovation-loan — typical window $5,000 – $100,000 — markdown: request with Accept: text/markdown
- Holiday Expenses (Going on holiday): https://www.harmoney.co.nz/personal-loans/travel-loan — typical window $2,000 – $30,000 — markdown: request with Accept: text/markdown
- Business Cash Flow (Growing my business): https://www.harmoney.co.nz/personal-loans/business-loans — typical window $5,000 – $100,000 — markdown: request with Accept: text/markdown
- Wedding Expenses (Wedding): https://www.harmoney.co.nz/personal-loans/wedding-loans — typical window $5,000 – $50,000 — markdown: request with Accept: text/markdown
- Household Items (Household items): https://www.harmoney.co.nz/personal-loans/household-items — typical window $2,000 – $20,000 — markdown: request with Accept: text/markdown
- Loan to Family Member (Loan to family member): https://www.harmoney.co.nz/personal-loans/loan-to-family — typical window $2,000 – $50,000 — markdown: request with Accept: text/markdown
- Education Expenses (Education): https://www.harmoney.co.nz/personal-loans/education-loan — typical window $2,000 – $50,000 — markdown: request with Accept: text/markdown
- Medical Expenses (Medical): https://www.harmoney.co.nz/personal-loans/medical-loans — typical window $2,000 – $50,000 — markdown: request with Accept: text/markdown
- Funeral Expenses (Funeral): https://www.harmoney.co.nz/personal-loans/funeral-loan — typical window $2,000 – $25,000 — markdown: request with Accept: text/markdown
- Tax Bill (Tax bill): https://www.harmoney.co.nz/personal-loans/tax-loan — typical window $2,000 – $50,000 — markdown: request with Accept: text/markdown
- Legal Fees (Legal fees): https://www.harmoney.co.nz/personal-loans/legal-fees — typical window $5,000 – $50,000 — markdown: request with Accept: text/markdown
- Computer (Computer): https://www.harmoney.co.nz/personal-loans/computer — typical window $2,000 – $5,000 — markdown: request with Accept: text/markdown
- Purchase Boat (Boat): https://www.harmoney.co.nz/personal-loans/boat-loans — typical window $10,000 – $100,000 — markdown: request with Accept: text/markdown
- Purchase Caravan (Caravan): https://www.harmoney.co.nz/personal-loans/caravan-loan — typical window $10,000 – $100,000 — markdown: request with Accept: text/markdown
- Other (Something else): https://www.harmoney.co.nz/personal-loans/other — typical window $2,000 – $100,000 — markdown: request with Accept: text/markdown

## URL grammar

- Products: /{product} — personal-loans, secured-loans
- Purposes: /personal-loans/{purpose} — debt-consolidation, renovation-loan, travel-loan, business-loans, wedding-loans, household-items, loan-to-family, education-loan, medical-loans, funeral-loan, tax-loan, legal-fees, computer, boat-loans, caravan-loan, other
- Needs: /loan/{need} — fast-loan, small-loan, cash-loan, low-interest-loan, short-term-loan, easy-loan, online-loan, ev-loan, car-loan
- Amount routes: /{product}/{amount} — 2000, 3000, 4000, 5000, 10000, 12000, 15000, 20000, 25000, 30000, 40000, 50000, 70000, 100000
- Amount + term routes: /{product}/{amount}/{term} — 3-years, 5-years, 7-years

## Key URLs

- Home: https://www.harmoney.co.nz/
- Personal Loan: https://www.harmoney.co.nz/personal-loans
- Car Loan: https://www.harmoney.co.nz/secured-loans
- Loans hub: https://www.harmoney.co.nz/loan
- Index: https://www.harmoney.co.nz/llms.txt
- Sitemap: https://www.harmoney.co.nz/loan/sitemap.xml

## Machine access

The product pages and the need pages above also serve a markdown representation: send Accept: text/markdown (recognised AI crawlers receive it without the header). Every other path serves HTML only.

## Company

- Paul Lahiff (Independent Chairman): https://www.harmoney.co.nz/about-us/people/paul-lahiff
- David Stevens (Managing Director, Chief Executive Officer): https://www.harmoney.co.nz/about-us/people/david-stevens
- Simon Ward (Chief Financial Officer): https://www.harmoney.co.nz/about-us/people/simon-ward
- Neil Roberts (Founder & Non-Executive Director): https://www.harmoney.co.nz/about-us/people/neil-roberts
- Brad Hagstrom (Chief Operating Officer): https://www.harmoney.co.nz/about-us/people/brad-hagstrom
- Anna Cupples (Chief Digital Officer): https://www.harmoney.co.nz/about-us/people/anna-cupples
- Monique Cairns (Independent Director): https://www.harmoney.co.nz/about-us/people/monique-cairns
- Glen MacKellaig (Chief Marketing Officer): https://www.harmoney.co.nz/about-us/people/glen-mackellaig
- Amanda Donaldson (Chief People Officer): https://www.harmoney.co.nz/about-us/people/amanda-donaldson
- John Quirk (Independent Director): https://www.harmoney.co.nz/about-us/people/john-quirk
- Dan York (Chief Product Officer): https://www.harmoney.co.nz/about-us/people/dan-york
- Mike Travis (General Counsel): https://www.harmoney.co.nz/about-us/people/mike-travis
- Dave Nesbitt (Chief Risk Officer): https://www.harmoney.co.nz/about-us/people/dave-nesbitt
- Duncan Gross (Group Treasurer): https://www.harmoney.co.nz/about-us/people/duncan-gross
- Andrew Bates (Chief Technology Officer): https://www.harmoney.co.nz/about-us/people/andrew-bates
- Marija Stulich (Head of Retention): https://www.harmoney.co.nz/about-us/people/marija-stulich

## Contact

- Phone: 0800 427 666
- Email: customerservice@harmoney.co.nz

### Important information

Harmoney Services Limited (FSP593769). Dispute resolution: Financial Services Complaints Limited (FSCL) – a Financial Ombudsman Service, membership 5288.


The rate offered depends on your individual credit assessment. Fees, charges, terms and conditions apply.