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Borrow up to $70,000 unsecured

Personalised rates from 6.99%¹

Won’t affect your credit score

Canstar winner 5 years in a row
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canstar 2019 v2

How can we help?

Or select another loan purpose

Apply now

How to apply online

1. Get to know you

Tell us how much you need to borrow and give us a little information on your finances and yourself.

2. Get your quote

You’ll receive a personalised quote containing your repayments, interest rate and loan limit.

3. Get your money

Once you’ve accepted your quote and sent through some extra information your loan should be fully funded within 24 hours.

What our customers say

5.0 Fast and affordable
Recommend to all family and friends
And the chat and email responses were fantastic. Kris from Customer Care online chat was there and respond fast. I applied online for a loan from Instant Finance takes a week before they contacted me if still interesting too bad i applied with Harmoney only minutes and i found out that got approved. I m still waiting now for a second quote coz i changed the amount but 24hrs not over yet as promised. Thanks and keep up the good work. When you treat customer right they wont ever leave
Auckland, New Zealand
5.0 Thank you for the great stress free service. It was so easy to apply and receiving the notification "your loan is approved" is by far the most wonderful news to receive on a Friday afternoon. God Bless Team Harmoney Auckland, New Zealand
5.0 Easy and quick service. My loan was approved in just 5 minutes.
Easy to follow instructions.
I compared with other agencies and harmony had the best offer.
, New Zealand
5.0 I am very happy with my experience with Harmoney. It is excellent and stress free. I have recommended Harmoney to everyone I know and most of them have Harmoney loans approved. So THANK YOU Harmoney Wellington , New Zealand
5.0 Easy and super fast application. What a great help for our family. I wish they have an annual review of loan rates and give customers a reduced rate for those who who are a a good payer. This will give them confidence and encouragement as they will see it an incentive and feels that Harmoney cares even more. Auckland, New Zealand
5.0 I would 150% recommend Harmoney to anyone needing finances. Super easy to use, great communication and wonderful timing! I absolutely love :) Auckland, New Zealand
5.0 Harmoney make the application for the loan simple and the site is very easy to navigate through.Which is great for those like me who struggle with technology.Plus the ease and speed it took to get the loan is outstanding. Otago, New Zealand
5.0 Great and very easy to fill in online application. Interest rate was very competitive especially for my first time as a Harmony customer.
Had loan approval confirmation within the hour and finance was deposited within 24 hours. Would highly recommend Harmony to friends and family.
Canterbury , New Zealand
5.0 Harmoney have been great for me, consolidating my debt and now allowing me to top up my loan for important purchases , New Zealand
5.0 This is incredibly modern and user friendly. I am super impressed with the entire concept and how the system is set up. Amazing stuff! Futuristic and helpful. The interest rate in my case was 27% and I hoped for lower interest, perhaps 18%. But nonetheless Harmony has helped me get it my way when all traditional banks and finance companies couldnt care to help me. Now I am in control and can sleep at night knowing I can afford my repayments and live a normal life, start saving again to repay the loan faster and be debt free sooner with no stress. Harmony approved me and the money was in my bank account the same day! All done on my phone in my lunch break. Simply amazing! Felt like a blessed miracle to consolidate my debt so efficiently and so quickly. It's been months of struggle and now I am at peace with my circumstances. THANK YOU HARMONY Auckland, New Zealand
5.0 Absolutely awesome. Applying for the loan is easy to understand and complete and it lets you know by a percentage diagram how far along your loan is processing. Waiting is not long and when the loan is actioned Harmoney always contacts you to make sure that everything is okay with you. Thank you Harmoney. Hastings, New Zealand
5.0 My overall experience with Harmoney was excellent. I would not be able to get this kind of loan from my bank. I remember applying just for an overdraft of $500 and the bank could not even give it to me...how sad. Thanks so much Harmoney. You have made it so easy for us. This is truly a blessing. , New Zealand
5.0 Easy, efficient and intuitive. Getting a loan through Harmoney was super easy and really quick. The whole process took around 48 hours from start to finish and with such an awesome interest rate, there is no way the banks could compete with that. Very impressed. Wellington, New Zealand
5.0 Great service! Special mention to Mere who helped me on the early stage of my loan application. And to the rest of the team at Harmoney for the assistance until my loan got funded. Well done guys! Manawatu, New Zealand
5.0 Great Costumer Service and Great Financial Concept for borrowing/lending finances on right time! Well done Harmoney happy to have you on board on my side! Thank you! Auckland , New Zealand
5.0 Made my life so much less stressful.
What a sense of relief all my debt consolidation all under one loan.
Great interest rate which out did all banks and I was able to sleep a great night sleep the fact the loan came though and cleared all my numerous accumulating debt.
I can now how a much simpler life and a direction moving forward and know where I am at
Thank you Harmoney.
Northland, New Zealand
5.0 so great fast and michael Kouk was lovely to work with thank you harmoney I didnt think i get the loan i will be later to get another loan and told my work mates how good harmoney really is so thank you again
Northland, New Zealand
5.0 Another great and easy loan experience with Harmoney online. The entire loan application is easy and straightforward. none, New Zealand
5.0 Very good and very quick service. The loan has come at a great time. I'm able to consolidate my other loans which I incurred due to a sudden bereavement in my family. Thanks heaps Harmoney Wellington, New Zealand
5.0 Great service from call centre guy. Loan was funded extreemly quickly. It was painless. Easiern than I thought it would ever be. Thanks very much Harmoney Waikato, New Zealand
5.0 Excellent service for a top up loan with easy and quick process to apply. Thank you Harmoney for your lending service. , New Zealand
5.0 Excellent ,as Harmoney were great,i will always support them every after my loan is paid of as they were helpful when I needed help so big ups to Harmoney,they have my support Whakatane, New Zealand
5.0 Once I decided to consolidate 3 HPs I didn't give my bank a call there would be too much paper work and the interest rate would not be 9.9% that Harmoney would be offering and from my experience with Harmoney the process was easy understand and you were informed throughout the process when applying for the loan, and the time it took to be approved was excellent. Thanks Harmoney , New Zealand
5.0 Excellent service- no forms to fill in when you have been a customer with Harmoney and I have applied for and have approved 2 loans with Harmoney.
Very easy to access all bank details to set up auto payment
This way of getting approved to borrow money is far better than going to a bank or finance office or filling out forms
An excellent way to build a good credit rating for later on
Excellent Service
Tauranga, New Zealand
5.0 It's great to be able to find funding online in the comfort of your home. I'm amazed at how fast my application was funded as I completed it very late yesterday afternoon. And now it is 100% funded and it's barely 11am the next day. Thanks everyone for a quick response to my loan application and thanks Harmoney for great service.
Kind Regards
Auckland, New Zealand
5.0 Absolutely Fantastic.Great customer service as well.Was pleased someone rang me back to follow up prior to getting loan approved.Will definitely be using Harmoney in the future.
, New Zealand
5.0 harmony is so easy to apply for a loan fast response, and interest rate on my loan is excellent, I have recommend my work mates and friends to harmoney if they ever need a loan christchurch, new zealand
5.0 It was a LOT easier than I thought. I was very impressed with HARMONEY'S lateral & logical thinking.
Our bank won't lend to our business, in it's 1st year of operation, even though we have equity. They won't even give a personal overdraft.
Thanks to Harmoney, I am now laughing my way to the bank, where I would have gladly paid more in interest if they had been even remotely interested. Our mainstream bank adversities with the following slogan: "Helping small businesses grow" ~ YEAH RIGHT....... I think that title belongs to HARMONEY.
Thank you Harmoney. When are you starting banking services?
5.0 With Graces personal attention and service it has made my processing a lot easier. She is awesome. The speed and accuracy at which Harmoney dealt with my application was unbelievable. Manawatu, New Zealand
5.0 I decided to give applying for a loan online and couldn't believe how quick it was!
I'm very impressed how the money was in my account the very same day. I am ever so grateful because I had been stressing out trying to find a solution and this happened! Thank you Harmoney.
Auckland , New Zealand
5.0 Wow! I got a pamphlet in the post about Harmoney.co.nz, and did a bit of research and couldn't find anything bad about them. So I went ahead and tried the online application. 3 days later and everything is wrapped up nice and neat, the money is in our account, I thought the cost and interest were reasonably competitive given the ease and convenience, the direct debit is setup to replay the loan, and I didn't have to move from my lounge. Harmoney, FANTASTIC PROFESSIONAL SERVICE!!! , New Zealand
5.0 Tried my bank first, but proved very difficult to get a loan and it didn't matter wheather you had excellent credit rating. A friend mentioned harmony, so I thought I'd try. What an absolute hassle free application process and you don't need to go there, you can do it all on line. The response time for an answer was swift and getting the funds was way faster. I have recommended harmony to all my friends. , New zealand
5.0 Harmoney are like a best friend, I have been doing reno's on my home for the past 2 years and Harmoney came to the party with Top Lending at fabulous interest rates. I am nearly at the end of home reno's thanks to Harmoney. I have topped up twice on my original Loan and it was done with ease. I highly recommend "Harmoney" with fast efficient Lending and a competitive interest rate. Thank you Harmoney !!! New Zealand,
Quick personal loan estimate

Get a quick estimate of the rates and repayments on your personal loan with our online loan calculator.

What we offer

$2K - $70K

Loan limits
3 or 5 years

Loan terms
$200 or $450

Establishment fee

Early repayment fee
  • Interest rates from 6.99% p.a.24.69% p.a.¹
  • Establishment fee of $200 for loans under $5,000²
  • Establishment fee of $450 for loans $5,000 and over²
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan
  • All loans are unsecured

Find out more about our rates and fees

Fair and simple personal loans

If access to money is holding you back, we’re here to help.

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Get help with any aspect of your loan at any time by contacting our friendly support staff.

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We’ll calculate a tailored interest rate for you based on your personal finances.

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Our simple fee structure and fixed personal interest rates make financing your dreams straightforward and easy to understand.

Common personal loan questions

View more
Who is Harmoney?

Harmoney launched in 2014 as NZ’s first licensed peer-to-peer personal loan provider. Since then, we’ve loaned more than $1.7 billion to over 50,000 borrowers in both Australia and New Zealand (March 2020).

Today, we fund loans more traditionally, but our focus remains the same: to make the borrowing experience fairer, faster and more accessible and to remove the inconvenience, awkwardness and uncertainty associated with traditional borrowing.

Our purpose is to help and inspire people to achieve their goals through financial products that are friendly, fair and simple to use. We know that access to money at the right time can make a huge difference and we believe responsible lending is crucial for helping people embrace the opportunities that life presents.

Is a personal loan good for paying off credit card debt?

An online loan in the form of a debt consolidation loan can be an effective way to pay off credit card debt and other debts, but it’s not suitable for everyone.

Why use a personal loan instead of extending my mortgage?

These days, low interest rates for mortgages can make it tempting to increase a mortgage with extra debt to save you interest fees. It’s an option that’s worth considering if you have equity, but it can sometimes end up being more costly in the long run.

We’ve written about the pros and cons of extending your mortgage, to help you make an informed decision about managing debt:

What can I use a personal loan for?

Harmoney online loans are very flexible and can be used to finance almost anything you want to.

Debt consolidation, home improvements and renovations and car finance are popular reasons why people apply for a personal loan. We also offer wedding loans, education loans and personal loans for medical expenses, household items, travel and holidays and more.

If money and finances are holding you back from achieving the things you want in life, talk to us about how a personal loan could help.

Will I qualify for a Harmoney loan?

In New Zealand - to apply for a personal loan you need to:

  • Be 18 years or older
  • Be a Permanent Resident or New Zealand citizen
  • Be earning a stable income

In Australia: to apply for a personal loan you need to:

  • Be 18 years or older
  • Be an Australian citizen, Permanent Resident or New Zealand citizen
  • Be full-time or permanent part-time employed
  • Have your photo ID documents handy, such as your Australian driver’s licence or passport
  • Have a clear credit file with no defaults, judgements or bankruptcies
  • Require a minimum $2,000 loan

When you apply or request a quote for an online loan, we need to know a little about your needs and your finances. We’ll also make some enquiries to help us verify your information. Using this information, we’ll assess your eligibility to receive credit and your capacity to service a loan.

If you qualify for a loan, we’ll provide you with your personal interest rate and the maximum amount you can borrow. There are times when we may not be able to offer a loan, such as if your recent credit history is unsuitable or there is insufficient capacity to service a loan.

What happens if a borrower’s circumstances change?

We know that things don’t always go as intended, despite careful planning. If changes in your circumstances are making you concerned about your financial situation, our customer service team is here to help as best we can.

Our number one piece of advice – don’t ignore the problem, get in touch as soon as possible so we can discuss your options and work through them together. We can also help if you are faced with unforeseen financial hardship.

Will a personal loan help you?

Join the thousands of New Zealanders who have achieved their goals with the help of a Harmoney loan.

About personal loans

Accessing money to help you achieve your goals sooner.

Personal loans allow you to borrow money for a specific purpose, whether it’s to buy a car, renovate your house or pay for your education. A personal loan can pave the way for you to achieve your goals while cutting down on your waiting time.

Costs associated with personal loans include interest and fees, which the loan provider uses to make money. Interest varies based on a number of factors including the borrower’s personal history, market rates and interest type – either fixed or variable. Fees, meanwhile, are charged to cover administration costs.

At Harmoney, our goal is to help borrowers take advantage of life’s opportunities by funding their endeavours in a friendly, fair and accessible way. Since 2014, we have sought to provide an excellent customer experience that helps you every step of the way.

Loan purposes

There are many different reasons to take out a personal loan, and we will have a specialised option to suit your purpose. Some of our popular loan types include debt consolidation, car loans, home renovation loans and business loans. We also offer loans for travel and holidays, weddings, medical expenses and more.

If you’re ready to make your dreams come to, talk to us about your loan needs.

Comparing a personal loan to other loan products

There are other money borrowing options beyond personal loans including credit cards, hire purchase (HP), store cards and buy-now-pay-later options like Afterpay, Zippay and LayBuy.

When deciding which loan product is right for you it’s important to consider the following factors.

Loan amount

The amount you need to borrow will help determine the type of loan product best suited to you.

For smaller purchases, store cards and buy-now-pay-later services are most suitable.

For larger purchases personal loans, credit cards and HP borrowing limits are more appropriate. Harmoney personal loans range from $2,000to $70,000making them a flexible option and suited to various sized purchases or projects.

Interest rates and fees

Loan providers charge different interest rates and fees, but it’s important to know what you’ll have to pay back before you accept any loan offer.

To make things easier for, Harmoney displays all its interest rates and fees clearly on our website. This helps you make an informed decision about whether you want a loan and how much you can afford in repayments.

Our fees are also easy to understand. So long as you make all your repayments on time, you’ll only ever have one start-up fee. You can even pay back your loan without any extra charge.

This isn’t the same for every loan provider though, so be sure to check all the fine print before you sign on the dotted line..

Loan term

The ‘loan term’ refers to how long you’ll be making repayments on your loan. With Harmoney, you have the option for a three-year or a five-year loan. Whichever option you take, so long as you make all your repayments on time, you know exactly when you’ll be debt free.

If you want, you can off your loan early and there are no fees for doing so. You may be able to do this by paying a little bit extra with every repayment or by making a lump sum when you have spare cash.

In most cases, a shorter-term loan will have higher monthly repayments but you’ll pay less overall in interest.

Why people use personal loans

Personal loans can be used to cover just about any expense you have. The benefit of a personal loan compared to other consumer credit products such as credit cards is that there is no mystery. With a Harmoney personal loan the interest, repayments and loan term are laid out for you to approve before signing up for the loan.

Harmoney personal loans also allow for fee-free early repayments which can save you money on interest. Your loan term may be 3 or 5 years, but you can pay the loan off in 1 or 2 years if you want to, allowing flexibility and control of your loan.

Downsides of traditional personal loans

Traditional loans can be difficult to arrange, with face-to-face meetings required at times that may not suit. On top of that, you may have to take time off work to attend the appointment, which not everyone can afford to do.

At Harmoney, we’ve made the process simpler. All of our loans – whether that’s for a new car, a new business or something else – can be applied for at any time of the day, on any day of the week, from wherever you are. Our online applications make loans easier.

Learn more about personal loans

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Time to upgrade your car? Get the cash you need to get back on the road with a Harmoney car loan.

Find out more

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Replace all your debts with one simple monthly payment with a debt consolidation loan.

Find out more

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Ready for a getaway but short on cash? Cover the cost of your next holiday with a holiday loan.

Find out more

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Between accommodation, textbooks, fees and living expenses, studying can be an expensive business. Take the pressure off with a Harmoney education costs loan.

Find out more

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Do you have unexpected medical bills? An online medical loan from Harmoney can help.

Find out more

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Whether you need to fix a crumbling wall or create your dream kitchen a renovation loan can cover all your home improvement needs.

Find out more

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Your wedding should be a day to remember – for the right reasons. Plan your perfect day with a Harmoney wedding loan.

Find out more

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Need help with cashflow? Get a quick cash injection with an online business loan.

Find out more

We're real people and we're here if you need us

If you need help, just give us a call on 0800 427 666 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

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Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 24.69% p.a. and 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. 99% of loan applications are funded within 24 hours of loans terms being accepted (based on loans submitted in 2018).

2. Establishment fee of $200 for loans from $2,000 to below $5,000 and $450 for loans from $5,000 to $70,000. Fixed rates range from 6.99% p.a. to 24.69% p.a. on 36 to 60 month terms, with no early repayment penalties.