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 6.99% p.a.

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.

How peer-to-peer lending works:

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Step 1:

A Borrower applies for a personal loan, then when approved, lists it in the Marketplace.

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Step 2:

Multiple Lenders fund the personal loan in small amounts until it is fully funded.

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Step 3:

The Borrower then repays the Investors over the next 3-5 years via Harmoney.

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