Start almost anything.
Won’t affect your credit score
How can we help?
Or select another loan purpose
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
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
3, 5 or 7 years
Early repayment fee
- You can get a 3, 5 or 7 year loan term¹
- Secured fixed rates from 9.89%* p.a to 21.49% p.a.
- Unsecured fixed rates from 9.99% p.a. to 24.99% p.a.²
- Establishment fee of $150
- You can repay weekly, fortnightly or monthly
- Your rate is fixed for the life of the loan
* If you take out a secured loan and don’t meet the security conditions within 60 days of the loan advance, the loan will revert to unsecured and the interest rate will change to a higher unsecured interest rate.
Fair and simple personal loans
If access to money is holding you back, we’re here to help.
MORE THAN A LOAN
Get help with any aspect of your loan at any time by contacting our friendly support staff.
We’ll calculate a tailored interest rate for you based on your personal finances.
Our simple fee structure and fixed personal interest rates make financing your dreams straightforward and easy to understand.
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.
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.
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 $2,000 to $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.
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, five-year or seven-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, 5 or 7 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
Time to upgrade your car? Get the cash you need to get back on the road with a Harmoney car loan.
Replace all your debts with one simple monthly payment with a debt consolidation loan.
Ready for a getaway but short on cash? Cover the cost of your next holiday with a holiday loan.
Between accommodation, textbooks, fees and living expenses, studying can be an expensive business. Take the pressure off with a Harmoney education costs loan.
Need help with cashflow? Get a quick cash injection with an online business loan.
Do you have unexpected medical bills? An online medical loan from Harmoney can help.
Whether you need to fix a crumbling wall or create your dream kitchen a renovation loan can cover all your home improvement needs.
Your wedding should be a day to remember – for the right reasons. Plan your perfect day with a Harmoney wedding loan.
We're real people and we're here if you need us
Terms and conditions
1.Loan terms subject to availability.
2. Subject to approval. 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 you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.