Jacobs Photo & Digital

Start your application.

“How much would you like to borrow?”

Select your preferred loan term

36 month term

60 month term

Enter amount from $1,000-$70,000
$1,000 $70,000
  • 100% online application
  • Rates from 9.99%
  • Up to $70,000, unsecured
  • Funded in hours**

** 99% of loans are funded in 24 hours after submission to the marketplace (FY17).

* Subject to approval and funding. 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.

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Jacobs Photo & Digital is a nationwide speciality on-line retailer, as well as a brick-and-mortar retail store, operating in the same Auckland location for over 30 years. We have taken our consumer-oriented philosophy that has served us well in the past, and expanded it to serve customers nationwide.

We are experts in optical devices such as Telescopes, Spotting scopes, Cameras and Binoculars. We have the knowledge and experience to suggest the right product for you needs.

Why get your personal loan through Harmoney?


100% online application.

It's easy to apply online whenever suits you. 90% of loans on our marketplace are funded within 48 hours.


Rates from 9.99%.

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


Up to $70,000, unsecured.

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

Getting started

Apply for $1,000 - $70,000 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