What Documents Do I Need to Provide When Applying for a Personal Loan?
- Harmoney
- 19 hours ago
- 2 min read
Applying for a personal loan with a traditional lender often involves gathering a lot of paperwork—but it doesn't have to be that way. At Harmoney, we've streamlined our application process to be 100% online, requiring minimal documentation to get you a quote and, ultimately, your funds.
Our process uses secure technology to verify your information quickly and safely, so you can avoid having to scan and upload a stack of documents.
The Documents You'll Need to Get Started
To begin your personal loan application with Harmoney, you will need the following information ready:
1. Proof of Identity
This is a standard requirement for all lenders to verify who you are. We require a valid form of photo identification.
New Zealand Driver's Licence (preferred)
New Zealand Passport
2. Details for Online Banking
Harmoney uses secure, bank-grade technology to view a read-only snapshot of your bank statements. This is the fastest and most secure way to verify your income and expenses.
Your online banking login details.
Why we do this: This secure process replaces the need for you to manually provide physical copies of bank statements, pay slips, and other financial records. It gives us an instant and accurate picture of your financial health, which is essential for responsible lending and for giving you a fast decision. Your information is never stored, and we don't have access to your accounts.
What to Expect After You Apply
Once you've submitted your initial information and completed the secure bank statement verification, our system works quickly to provide you with a personalised quote.
You'll get a clear, guaranteed interest rate.
You'll see the exact loan amount you're eligible for.
You'll see what your repayments will look like over your chosen term.
If you are happy with the quote and accept it, the rest of the process is simple and still 100% online. In most cases, the funds are in your bank account within 24 hours of final approval.
References:
Harmoney New Zealand: https://www.harmoney.co.nz/
Consumer Protection NZ: https://www.consumerprotection.govt.nz/
