Paul's unearthing secret battles to save New Zealand.

A no-obligation process

Paul's unearthing secret battles to save New Zealand.

  • Fast, easy & 100% online
  • No hidden fees or early repayment penalties
  • Rates from 6.99% p.a.

A no-obligation process

What's your Harmoney Story?

Paul’s unearthing the secret battles that saved NZ's ecosystems, thanks to Harmoney's Lenders.

Meet Paul. He’s a full-time book writer who's taken on a grand project, unearthing the dramatic stories behind the secret battles to save New Zealand's ecosystems. Years of writing and travelling up and down the country to conduct research - it all takes money. So Paul came to Harmoney.

  • Fast, easy & 100% online
  • No hidden fees or early repayment penalties
  • Rates from 6.99% p.a.

Harmoney’s interest rates start from as low as 6.99% 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 6.99% 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 6.99% p.a.*, 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 up 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.