# Harmoney New Zealand

> Fixed-rate personal loans. Regulated figures (rates, fees) are machine-readable and match the website exactly.

## About

Harmoney Services Limited (FSP593769). Dispute resolution: Financial Services Complaints Limited (FSCL) – a Financial Ombudsman Service, membership 5288.
Registration: NZBN 9429041238424.
Products: Personal Loan (unsecured); Car Loan (secured).

## Products

### 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

## Key pages

- [Home](https://www.harmoney.co.nz/)
- [Personal Loan](https://www.harmoney.co.nz/personal-loans) — markdown: request with Accept: text/markdown
- [Car Loan](https://www.harmoney.co.nz/secured-loans) — markdown: request with Accept: text/markdown
- [Loans](https://www.harmoney.co.nz/loan) — needs and products index

### Loan purposes

- [Purchase Boat](https://www.harmoney.co.nz/personal-loans/boat-loans) — Boat
- [Business Cash Flow](https://www.harmoney.co.nz/personal-loans/business-loans) — Growing my business
- [Purchase Caravan](https://www.harmoney.co.nz/personal-loans/caravan-loan) — Caravan
- [Computer](https://www.harmoney.co.nz/personal-loans/computer) — Computer
- [Debt Consolidation](https://www.harmoney.co.nz/personal-loans/debt-consolidation) — Consolidating my debt
- [Education Expenses](https://www.harmoney.co.nz/personal-loans/education-loan) — Education
- [Funeral Expenses](https://www.harmoney.co.nz/personal-loans/funeral-loan) — Funeral
- [Household Items](https://www.harmoney.co.nz/personal-loans/household-items) — Household items
- [Legal Fees](https://www.harmoney.co.nz/personal-loans/legal-fees) — Legal fees
- [Loan to Family Member](https://www.harmoney.co.nz/personal-loans/loan-to-family) — Loan to family member
- [Medical Expenses](https://www.harmoney.co.nz/personal-loans/medical-loans) — Medical
- [Other](https://www.harmoney.co.nz/personal-loans/other) — Something else
- [Home Improvements](https://www.harmoney.co.nz/personal-loans/renovation-loan) — Improving my home
- [Tax Bill](https://www.harmoney.co.nz/personal-loans/tax-loan) — Tax bill
- [Holiday Expenses](https://www.harmoney.co.nz/personal-loans/travel-loan) — Going on holiday
- [Wedding Expenses](https://www.harmoney.co.nz/personal-loans/wedding-loans) — Wedding

### Loan needs

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

### Company

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

## URL grammar

Loan pages follow a fixed URL grammar. Every loan page embeds the repayment calculator; amount and term segments pre-set it.

- `/{product}` — product page
- `/{product}/{purpose}` — purpose page (calculator locked to the product)
- `/{product}/{amount}` — product page, calculator pre-set to the amount
- `/{product}/{amount}/{term}` — amount and term pre-set (term slug, e.g. `5-years`)
- `/loan` — the loans hub
- `/loan/{need}` — need page

After a product root, a segment of digits is an amount; any other slug is a purpose.

### Product slugs

- `personal-loans` → Personal Loan (unsecured)
- `secured-loans` → Car Loan (secured)

### Purpose slugs under `personal-loans`

- `debt-consolidation` → Debt Consolidation (Consolidating my debt)
- `renovation-loan` → Home Improvements (Improving my home)
- `travel-loan` → Holiday Expenses (Going on holiday)
- `business-loans` → Business Cash Flow (Growing my business)
- `wedding-loans` → Wedding Expenses (Wedding)
- `household-items` → Household Items (Household items)
- `loan-to-family` → Loan to Family Member (Loan to family member)
- `education-loan` → Education Expenses (Education)
- `medical-loans` → Medical Expenses (Medical)
- `funeral-loan` → Funeral Expenses (Funeral)
- `tax-loan` → Tax Bill (Tax bill)
- `legal-fees` → Legal Fees (Legal fees)
- `computer` → Computer (Computer)
- `boat-loans` → Purchase Boat (Boat)
- `caravan-loan` → Purchase Caravan (Caravan)
- `other` → Other (Something else)

### Need slugs

- `fast-loan` → Fast Loan (Get money fast)
- `small-loan` → Small Loan (Borrow a smaller amount)
- `cash-loan` → Cash Loan (Quick cash when you need it)
- `low-interest-loan` → Low Interest Loan (Find a low rate)
- `short-term-loan` → Short Term Loan (Repay sooner)
- `easy-loan` → Easy Loan (Simple application process)
- `online-loan` → Online Loan (Apply from home)
- `ev-loan` → EV Loan (Electric vehicle financing)
- `car-loan` → Car Loan (Car Loan)

### Amounts accepted in the amount segment

$2,000, $3,000, $4,000, $5,000, $10,000, $12,000, $15,000, $20,000, $25,000, $30,000, $40,000, $50,000, $70,000, $100,000

### Terms accepted in the term segment

`3-years` (36 months), `5-years` (60 months), `7-years` (84 months)

## Machine access

Paths marked "markdown" above negotiate a markdown representation via the Accept header (recognised AI crawlers receive it without the header). Every other path serves HTML only.

- [Full reference](https://www.harmoney.co.nz/llms-full.txt) — the complete catalogue as one markdown document
- [Sitemap](https://www.harmoney.co.nz/loan/sitemap.xml) — canonical URLs with hreflang alternates
- [Robots](https://www.harmoney.co.nz/robots.txt)

## Contact

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