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Can I use a Harmoney personal loan for a car or vehicle purchase?

  • Writer: Harmoney
    Harmoney
  • 17 hours ago
  • 2 min read

Yes, absolutely. A Harmoney personal loan is an excellent way to finance the purchase of a new or used car, boat, caravan, or any other vehicle. We provide you with the money you need upfront so you can shop and negotiate with confidence, just like a cash buyer.


Our loans are designed to be fast, flexible, and completely transparent, giving you a better way to get the vehicle you want.


The Power of a Harmoney Loan for Your Car Purchase

When you choose a Harmoney personal loan to buy a vehicle, you get several distinct advantages over traditional car finance options.


You Get the Power of a "Cash Buyer"

With your finance sorted and the money in your bank account before you start shopping, you can walk into any dealership or talk to any private seller with the upper hand. You have the freedom to negotiate on price without the pressure of dealer finance or being limited to a specific dealer's offerings.


We Keep it Unsecured (The Key Difference)

Unlike most traditional car loans, which use the vehicle itself as collateral, our personal loans are either secured or unsecured. You decide.


Fast Funding for Fast Decisions

Our 100% online application process means you can get a quote in minutes. Once your loan is approved and you have digitally signed the agreement, the funds can be in your bank account within 1-3 business days. This speed allows you to seize a great deal on a vehicle before it's gone.


Simple, Fixed Repayments

Our interest rates are personalised, fixed for the life of your loan, and your repayments are predictable. This makes it easy to budget and plan for your vehicle purchase, knowing exactly what your ongoing costs will be.


How to Get Started


  1. Get a Quote: Use our online quote tool to find out how much you can borrow and what your personalised interest rate would be. This won't affect your credit score.

  2. Accept and Get Funded: If you are happy with your quote, you can accept the terms and get your money fast.

  3. Go Shopping: With the funds in your account, you can confidently go and purchase your vehicle.



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