Get what you want,
without breaking the bank
.

main computer

Get what you want,
without breaking the bank

Get what you want,
without breaking the bank
.

Peer-to-Peer Personal Loans

Whether you want to repaint your home without sacrificing equity, buy a safer car, or maybe take a well-earned family holiday, a loan funded by Harmoney’s Lenders could help you realise your goals.

95% of loans on Harmoney's peer-to-peer marketplace are fully funded within 24 hours. Let us take the hassle out of the lending process, so you can focus on what really matters.

Let's be Kiwi with money

Peer-to-Peer
Personal Loans

Whether you want to repaint your home without sacrificing equity, buy a safer car, or maybe take a well-earned family holiday, a loan funded by Harmoney’s Lenders could help you realise your goals.

Let's be Kiwi with money

Why get your personal loan through Harmoney?

Online

100% online application.

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

Percentage

Rates from 9.99% p.a.

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

Unsecured

Up to $35,000, 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 $35,000 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.

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.