Personal loans made easy.

Fairer rates just got fairer. We now offer New Zealand's lowest Unsecured Personal Loan Rate. 6.99% p.a.* to 29.99% p.a.*

100% Online

Fast funding

Low rates

up to $70K

*Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 29.99% 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.

Great company to deal with, very efficient with their overall service, will definitely deal with them in the future and will highly recommend to others.

Colleen, May, 2017

Other popular loan purposes: Business loans, Wedding loans, Education loans, Medical expenses.

Quick Estimate

Estimate based on 5 year term. Our interest rates range from 6.99% p.a.* — 29.99% p.a.* and we offer 3 and 5 year terms.

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*Based on a 5 year term. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 29.99% 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.

A better borrowing experience for Kiwis.

Harmoney is a peer-to-peer money marketplace — where everyday people can borrow money from (and lend money to) other everyday people.

If you're borrowing, why is this a great option for you? We give you access to fairer rates, and the flexibility to borrow money on your own terms.

Find out how it works.

And the national press are taking notice…