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Personal Loan Hero

Personal loans

Simple, 100%
online process

Personalised interest rates
6.99% — 29.99% p.a.*


Won’t affect your credit score
Learn more

How can we help you?

Select from one of our popular loan purposes.

  • I want to consolidate debt

  • I’m renovating my home

  • I want to sort out a vehicle

  • I’m planning a holiday

Other dreams could include:

Not ready? Scroll for more info.

How does the process work?

  • Step 1. Get to know you

    Tell us about your loan and provide us some details about yourself and your finances.

  • Step 2. Get your quote

    We provide a detailed quote with your interest rate, borrowing limit and repayments.

  • Step 3. Get your money

    Accept your quote and provide some final details. Most loans listed in the Marketplace are fully funded within 24 hours.*

Our rates and fees

  • $450

    Establishment fee

  • $0

    Early termination fee

  • $2K - $70K

    Loan limits

  • 3 or 5 year

    Loan terms

You also need to know...

  • All loans are unsecured
  • Your rate is fixed for the life of the loan
  • Rates 6.99% p.a. – 29.99% p.a.
  • You can repay weekly, fortnightly or monthly
  • Establishment fee of $200 applies for loans under $5,000

Read more about our interest rates and fees

Quick estimate

Get a quick estimate to see your indicative rate.

Calculate repayments

More stories from our inspirational customers

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Get the loan that works for you

Spend more time living, and less time figuring out how to pay for it.

  • You’re unique. So is your rate

    You’re unique and so is your rate

    Interest rates are based on your individual credit assessment – not one‑size‑fits‑all.*

  • Get funded fast

    Get your money fast

    Most Harmoney loans are fully funded within 24 hours.**

  • 100% online application

    100% online process

    No queues, no appointments. You can apply on your own schedule, 24/7.

Your loan in 3 quick steps

Spend your time wisely with our easy, 100% online process.

Your loan in 3 quick steps

  • Step 1. Get to know you

    Tell us about your loan and provide us some details about yourself and your finances.

  • Step 2. Get your quote

    We provide a detailed quote with your interest rate, borrowing limit and repayments.

  • Step 3. Get your money

    Accept your quote and provide some final details. Most loans listed in the Marketplace are fully funded within 24 hours.*

Our people, our stories

Get started with Harmoney today

There’s no time like the present. Let’s make it happen for you.


Won’t affect your credit score

We’re real people, and we’re here to talk

Need help? Michael, Kris, Sahil, and 30+ Customer Support specialists are waiting to hear from you. Give us a call on 0800 427 666, or jump onto live chat!

Support team