Dev Academy

Why get a personal loan with Harmoney?

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Get a fair rate on your loan

Harmoney’s peer to peer lending marketplace lowers the cost of finance and gives everyone a fair deal.

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Fast application & approval

Get approved in ten minutes. You want more flexibility, convenience and no paperwork? We can do that.

Getting started

Apply for $1,000 - $35,000 through our 100% online, obligation-free application process, and find out how much you could save by consolidating your debt through Harmoney’s peer to peer marketplace. With personalised interest rates starting from a low 9.99%*, thousands of Kiwis have already set a date to be debt free. See our full schedule of fees.

Peer to peer loans

Peer to peer lending connects Borrowers and Lenders through an online marketplace, where Borrowers post loan listings and Lenders choose loans to fund. It’s changing the way the world lends by using technology to create an automated, 100% online process, helping customers enjoy a better experience. Find out more about P2P lending.


Where banks treat you like a number, Harmoney treats you like a person.

Murray from Helensville

Murray, Helensville