Get what you want, without breaking the bank




A no-obligation process

  • Fast, easy & 100% online
  • No hidden fees or early repayment penalties
  • Rates from 9.99% p.a.

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.

Why get your personal loan through Harmoney?


100% online application.

Apply when you want, where you want, on your terms - and without any uncomfortable face-to-face meetings.


Rates from 9.99% 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.

Get Started.

Find out how much you can borrow with our 100% online, no obligation application process. With no early repayment penalties and personalised interest rates starting from a low 9.99%*, a peer-to-peer personal loan with Harmoney could save you time, money and stress. View our schedule of fees

Our Personal Loan Calculator

It's simple. Slide to select the amount you want to borrow and the personal loan calculator will give you an indication of what your repayments could be. Apply for $1,000 to $70,000 and find out how much you could be approved to borrow with our no obligation, 100% online personal loan application. 

Unsecured vs Secured Personal Loans

An unsecured loan doesn't require an asset as collateral. All personal loans on Harmoney's peer-to-peer marketplace are unsecured – so there's no risk of your house or car being repossessed. A secured personal loan is where the Borrower pledges an asset (like their car or house) as collateral. The asset is security against the loan – if the Borrower is unable to repay, the security can be repossessed.

Peer-to-peer Lending

Looking for a smarter way to borrow? Peer-to-peer lending is the revolutionary new way to do it. By connecting Borrowers and Lenders through our online marketplace, we've introduced this global phenomenon to NZ, helping Kiwis enjoy a better experience, using our automated, 100% online process. Find out more about P2P lending.

What is Harmoney?

Harmoney is NZ’s first licensed peer-to-peer lending marketplace that connects people who want to borrow money with those who wish to lend money. Our marketplace provides a simple way to get a personal loan, online.

10 Ways to a better credit rate

NZ F 1601011 eBook

If you're curious about credit ratings, and how savvy Kiwis are improving their financial well-being with some simple tricks, we've written a free eBook.

Download "10 ways to a better credit rate" and learn how you could improve your credit record by managing your loan well.

Plus, click here to learn more about credit scoring in New Zealand, Comprehensive Credit Reporting, and how Harmoney can help you.

Download our eBook

Still have questions?

Further information on unsecured personal loans can be found on the Community Law website.

* The Legal Stuff

Subject to approval and funding. Harmoney's interest rates 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.