Start your application.

“How much would you like to borrow?”

Select your preferred loan term

36 month term

60 month term

Enter amount from $2,000-$70,000
$2,000 $70,000
  • 100% online application
  • Rates from 6.99% p.a. to 29.99% p.a.
  • 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. Estimate based on an interest rate of 6.99% p.a. and we offer 3 and 5 year terms. Harmoney’s interest rates range from 6.99% p.a. to 29.99% 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 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 up to $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 6.99% p.a.*, 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