Karl's Paralympic dream was funded by 118 everyday Kiwis.

A no-obligation process

Karl's Paralympic dream was funded by 118 everyday Kiwis.

  • Fast, easy & 100% online
  • No hidden fees or early repayment penalties
  • Rates from 9.99% p.a.

A no-obligation process

What's your Harmoney Story?

Meet Karl

Karl has a dream to represent NZ in archery at the 2020 Paralympics, but he needed money to make his dream come true. Karl was funded by 118 everyday Kiwis from all over NZ to upgrade his equipment, be guided by quality coaching, and source an indoor venue to train all year round. Thanks to his determination, motivation, and money from Harmoney’s Lenders, Karl is well on his way to victory.

“I just like the idea that the money comes from the community and goes back into the community as well.”

  • Fast, easy & 100% online
  • No hidden fees or early repayment penalties
  • Rates from 9.99% p.a.

Harmoney’s interest rates start from as low as 9.99% p.a., are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.

Why get your personal loan through Harmoney?

Online

100% online application.

Apply when you want, where you want, on your terms - and without any uncomfortable face-to-face meetings.

Percentage

Rates from 9.99% p.a.

You're unique, so is your interest rate. It's customised to your circumstances, not everyone else's.

Unsecured

Up to $70,000, unsecured.

No ball and chain here, just easy repayments you can afford. No hidden or early repayment fees either.

Get Started.

Find out how much you can borrow with our 100% online, no obligation application process. With no early repayment penalties and personalised interest rates starting from a low 9.99%*, a peer-to-peer personal loan with Harmoney could save you time, money and stress. View our schedule of fees

Our Personal Loan Calculator

It's simple. Slide to select the amount you want to borrow and the personal loan calculator will give you an indication of what your repayments could be. Apply for $1,000 to $70,000 and find out how much you could be approved to borrow with our no obligation, 100% online personal loan application. 

10 Ways to a better credit rate

NZ F 1601011 eBook

If you're curious about credit ratings, and how savvy Kiwis are improving their financial well-being with some simple tricks, we've written a free eBook.

Download "10 ways to a better credit rate" and learn how you could improve your credit record by managing your loan well.

Plus, click here to learn more about credit scoring in New Zealand, Comprehensive Credit Reporting, and how Harmoney can help you.

Download our eBook

Still have questions?

Further information on unsecured personal loans can be found on the Community Law website.

* The Legal Stuff

Subject to approval and funding. Harmoney's interest rates are offered based on the individual borrower's credit assessment according to Harmoney's credit scorecard. In order to be approved and list your loan you must meet Harmoney's credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.