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Start almost anything.

Fixed personalised interest rates from 6.99% p.a. to 19.99% p.a.(plus an establishment fee of $150).¹

Won’t affect your credit score

Canstar winner 7 years in a row
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canstar 2016 v3
canstar 2017 v2
canstar 2018 v2
canstar 2019 v2
CANSTAR 2020 Outstanding Value Personal Loan
CANSTAR 2021 Outstanding Value Personal Loan OL

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 Awesome Service! So happy I can consolidate my loans with Harmoney! Thank you! new zealand
5.0 My very heartfelt thanks to Harmoney for helping out with our finances during our desperate needs. So much grateful talking with your staff. Keep up the good works. God bless. new zealand
5.0 Great service and ease of loan process new zealand
5.0 Absolutely awesome to deal with and so fast and easy. Better than any other finance company I have ever dealt with:) , new zealand
5.0 Wow.. dealing with Harmoney has been the simplest and quickest loan application I have ever experienced. Outstanding service and life savers. new zealand
5.0 The best loan service in nz new zealand
5.0 Absolutely fantastic, took me about 10mins and loan was accepted, great fast service highly recommend new zealand
5.0 -Good customer service
-Fast processing of loan application
-Low interest rate
new zealand
5.0 they are great - almost too easy I am from a banking background and din Harmoney better in the personal loan space than a bank new zealand
5.0 This is great way to apply for loan quick and easy New Zealand
5.0 Stress Free and Staright Forward. Staff over the phone were patient and respectful, and the Lady Mitch I had a Chat took her time to explain via email the answers of my questions. Harmoney's response time was quick and wouldn't keep the borrower waiting for a long poeriod of time.

Hadn't Harmoney invited me to make another Loan, I never knew about it. While its a customer focused..., its an awesome system and marketing Harmoney had set things up that works both ways, a give and take reciprocity. Thank You.
new zealand
5.0 The lady I spoke to was great and helped me a lot, and thanks you to Brad for approving my loan you guys make things easy. Thanks again so thankful. new zealand
5.0 I've used Harmoney for years, the best user experience in the industry. The website design has improved consistently every few months. The speed of transactions is next to none, and they've helped me achieve lower interest rates year after year. Without Harmoney I would have never escaped my two loans + two credit card debt spiral.

Go Harmoney!
new zealand
5.0 Greetings

This is an excellent experience. All my queries were answered on time and my loan was approved. It was easy to complete all documentations needed for the application, so I have a positive experience.

Thank you very much. I do appreciate your support in time of needs.

Kind regards

Telesia Kalavite
new zealand
5.0 Good and easy affordable loans new zealand
5.0 I have had a few loans from Harmoney and it has always been an excellent experience. Thank you new zealand
5.0 Great service and simple process to apply for loan new zealand
5.0 I’ve been with Harmoney for sometime now & have always found their processing to be efficient & an excellent service for loan applications/approvals, thank you so much once again. new zealand
5.0 Excellent customer service, even though it all happens virtually via the online portal, the staff gave it a personal/ human touch
via chat! Great work team Harmoney! Thank you
new zealand
5.0 SUPER FAST! Out of all the sites I’ve tried and applied, Harmoney has been the best at this field. They’re very easy to understand and the fact that even if it’s unsecured loans, they won’t give out any huge amounts of interest fees. new zealand
5.0 Awesome service. Really quick and fast. I thank Harmoney for the chance and they really are a good finance company. , new zealand
5.0 Harmoney has always been a really amazing place for me to sort out my finances and there processes are always easy and quick. thank you harmoney..you guys are great!! new zealand
5.0 Absolutely awesome!!! Super fast and super easy.

My loan was approved in moments and the funds were in my account within hours.

Harmoney has made my life a whole lot easier.

Hooray for Harmoney!!!!
, new zealand
5.0 It's been a very easy loan to apply for. A good experience new zealand
5.0 Great customer service and so easy to get a loan , new zealand
5.0 Awesome knowing I can service the loan but not going through rings to get it!!! new zealand
5.0 Easy to apply for loans and great staff new zealand
5.0 Pretty good nice and fast loan approval plus great customer service couldn't ask for better , new zealand
5.0 Great experience. Quick loan approval , new zealand
5.0 Excellent loan provider.
Dealing with real people who understand life's circumstances.
No hidden costs, easy to deal with simple to understand.
new zealand
5.0 Excellent first class experience. Even though we communicated a lot only via email the response was always quick! Thank you for making this loan process an easy experience new zealand
5.0 So easy so quick and this time I got an even better rate than my previous loan who does that harmoney does that. so Awesome, and I can see why they have won awards 6 years in a row even thank you so much. new zealand
5.0 Harmoney is probably the best loan provider in NZ.
Thanks Harmoney you guys make money lending so simple and unstressful.
new zealand
5.0 Online loans through harmoney are the best new zealand
5.0 It is second time I have applied loan through harmoney and have same overwhelmingly great experience. new zealand
5.0 Great to be able to consolidate debt so easily (due to my high credit score rating), all of it done online. This is the 3rd time I have done this and it seems to get easier each time as I get more experienced at filling out all the information required.

Repayment schedule is more than reasonable and I'll have plenty of opportunity to pay back the full loan with my house due to be sold at the end of 2023. This debt consolidation will give me more opportunities for home improvements before I sell so I am really likely to make back all my money (including interest repayments) long term. It's certainly one of the safest financial decisions I have made in my 40 years of banking etc.. (i.e. I am 60 years old)

Additional Comments (post-loan completion)
Thanks hugely for funding my most recent loan consolidation. There are lots of reasons why I did this through Harmoney:

Firstly, I was able to borrow money from Harmoney that I could not get from my bank even though my credit rating was 1000. I can understand their cautious approach as an owner/occupier but their approach didn't benefit me. The reality is that I'll be selling my home in 2.5 years anyway and I needed to take some calculated risks financially to do that anyway. The term of my loan with Harmoney is 5 years so it's going to be pretty satisfying to pay all the money back - $40 000 at the beginning of 2024.

Secondly,the ease with which all of this can be done online. True, I am a digital technology teacher and therefore familiar with dealing with most of the questions but what I was not prepared for was the speed of the whole process.It's quite sobering how fast credit checks and bank accounts can be completed when done with digital technologies

Thirdly, I quite liked the fact that I didn't have to front up to a bank mortgage broker face-to-face as it's a lot of avoidable emotional energy that I don't want to spend there (and it's never pleasant getting a 'no' to both parties).

Fourthly, if my application failed here with Harmoney, few would know - my bank would be none the wiser anyway - but the same learning would still have taken place for me which in turn would have helped me set new goals anyway, financial and otherwise.

I'm still not close to my financial goals for my lifetime but I'm still a lot further ahead than most my age in planning and providing for my retirement. Investing in my ChCh house will certainly help bring it up to a better standard when I'll be selling it in 2.5 years (Christmas 2023)

Thanks again for financing this and I am quite sincere in this. The reality is that no bank would have advanced this money for me and you are the best of all the NZ lenders that I have dealt with in my time as an almost 60 year old.

Canterbury, New Zealand
5.0 Excellent customer service, no other lenders can beat Harmoney’s quick response. Loan sorted in minutes. new zealand
5.0 I think you have a great team I am more than happy with your service, approachability and fast response. You are are fair the best finance company I have ever had to deal with. I have recommended Harmoney to all of my collages and friends. Thank you. New Zealand
5.0 Customer service outstanding!!! Honestly felt that after 4 top ups and the payments paid its ashamed that the interest rate given to me was not what I was expecting. I feel that it was high compared to my last loan with what I have paid as extra on top of what the minimum payments required for each month. Besides that I cannot default the service that harmoney provide awesome work proud to be a customer of Harmoney!!!! Auckland, New Zealand
5.0 Great support every time I apply for a loan New Zealand
5.0 Always fast and easy to apply. Great personal service if needed. New Zealand
5.0 Excellent service. Very easy and quick process to follow. and Approved the loan in a few minutes. New Zealand
5.0 I found the service excellent. Was kept updated on the loan application. Highly recommend Harmoney. Tauranga , New Zealand
5.0 Great experience. Best to loan from New Zealand
5.0 Clear and very easy instructions. Instant answers. Great online application.
Money was in my account on the same day I was approved for the loan. Excellent!
Wellington , New Zealand
5.0 Very fast Profesional great service would recommend to anyone needing finance New Zealand
5.0 Very efficient and great service from Harmoney with an easy to follow process towards my personal loan, thank you Harmoney. New Zealand
5.0 Very quick to sort out my initial issue and had the loan approved next day, thats what I call excellent Customer Service! New Zealand
5.0 Always great to use for personal loans. Much easier and more straightforward than banks. New Zealand
5.0 The best loan experience i have ever had cheers New Zealand
5.0 The process has been updated so the terms and conditions and loan agreement are lodged online in the logon rather than being emailed, this makes the process even more user-friendly than what it was previously and even then it was great!
Thre was a system glitch but this was resolved very quickly.
New Zealand
5.0 Thank you for making the loan process so very easy. Your customer service people are awesome New Zealand
5.0 very easy to work though and am great full of the loan Northland, New Zealand
5.0 Wow so quick and easy really took the stress out of requesting a loan New Zealand
5.0 Thank you for once again for making the loan process a smooth & friendly process, super fast response time, excellent customer service team members...thanks for making our day, very grateful New Zealand
5.0 Always quick and easy to apply for loans with confirmation received almost immediately. Excellent process and service. New Zealand
5.0 The best loan company I have ever dealt with New Zealand
5.0 So quick do personal no stupid questions. Just great to deal with. Eould recommend to anyone 10 out of 10. Thank you once again. New Zealand
5.0 Such a good team, my loan approved with 24hrs New Zealand
5.0 Best way to get a loan and easy. Will use them again! New Zealand
5.0 Really easy to deal with and great team on board that figures out if people are financially able to apply for loans or top ups. Really happy with harmoney's service. New Zealand
5.0 Awesome service. Sorted a top up loan within an hour. Thanks Harmony!!! New Zealand
5.0 Wow never had a majority automated loan approval process like that. It was really quick. New Zealand
5.0 I initially had a few issues with applying online, however I was very impressed by your staff who contacted me and my husband to who was able to help us get our loan approved. We are truly grateful. Thank you so much to your team New Zealand
5.0 I am very happy with the whole ordeal. Very smooth and no problems what so ever. Felt very confident and relaxed through my loan. Thank you very much Harmoney. Merry Xmas New Zealand
5.0 This has been one of the best experiences I've had with finances in a long time, I had a few technical difficulties during the day but the team members I spoke to were lovely and extremely helpful, I really appreciate it. New Zealand
5.0 excellent service as always prompt & great communication from harmoney staff
highly recommended & have advised family & friends of harmoneys loan services
New Zealand
5.0 So easy and fast ...was great not having to log into different things just to get your finances... New Zealand
5.0 Easiest loan application ever. Seamless and great service. New Zealand
5.0 Great service, loan approved in 1 hour. New Zealand
5.0 Thank you guys excellent job when I need a loan well done thanks Harmony. New Zealand
5.0 Completely amazed to be honest (at the speed and ease of the loan process here). Stunned actually. Speechless.

Granted that my credit rating is 1000 and that I have a guaranteed permanent secondary teaching position but I have NEVER experienced or expected anything as smooth as this Harmony process (FYI: I am 57 years old and a property owner of one rental and have gone through many mortgage and loan applications in the last 20 years. I also have an extensive 30-year secondary teaching career alongside this).

Despite my strong credit history, no hire purchases, an $82 000 salary (guaranteed), and a $610 weekly rental income, my regular bank would not loan me the extra $10 000 needed to complete a new sleepout because, in their view, I was reaching beyond a financial ceiling that they would not finance.

It left me in a pretty pickle as I wanted to complete the sleepout in Christchurch before the 2021 academic year so that I could take advantage of the influx of NZ students into the city post-New Year. The conceting and foundation is down already so, really, it is not going to take too much to complete the actual structure.

My regular bank simply did not want to know despite an extremely positive valuation from a registered and accredited valuer.

Getting this loan is actually a kind of miracle for me. The property has been in my family's hands for 45 years but now I am really adding value and getting some good returns on it (I am also not over-leveraged compared to Auckland properties).

All I can say is, THANK YOU Harmony as I don't have to go back to my bank anymore to beg for the funds required.

Can I also add that I am greatly heartened that I can pay the loan back at anytime without any financial penalty. It really is a great deal tbh and I would recommend this lender to anyone out there who is stuck for funds
New Zealand
5.0 Harmoney has always been a very good loan provider thank you for making life easier for me, and being able to afford life changes. New Zealand
5.0 Great quick service, fast loan turnaround A+++ New Zealand
5.0 Harmoney is a good honest transparent loan company. Thanks heaps!! New Zealand
5.0 Easy quick and loan terms are fair and interest rates are good. Good experience New Zealand
5.0 Great application service. Thanks for an easy Loan process. Highly recommend :) New Zealand
5.0 I will be forever so grateful to Harmony for reaching out to help when I needed to consolidate my loans and to help with my mother's eye surgery within minutes. It took me a good 20 mins just to sit and embrace the the great news. New Zealand
5.0 Very good patience by Mel on phone explaining loan process, and acceptance. Simple application process and clearly explained next steps New Zealand
5.0 Harmoney never fails to help, truly one of the best finance company to deal with. They always give options and I believe they always have your best interest at heart, thanks Team New Zealand
5.0 Harmoney is incredibly painless, great UX. I love the non-personal aspect of it. New Zealand
5.0 Very efficient professional experience. Thanks Harmony for the stress free loan approval at great competitive rates New Zealand
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 It’s great to have loan process so easy.
Not too many requirements.
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 Great service, great loan provider New Zealand
5.0 I have been a customer for a few years now and you guys are the best loan company to deal with New Zealand
5.0 Harmony is best loan, very simple and easy to apply. They respond very fast.
Thank to Harmony.
New Zealand
5.0 It was great to get a loan and tahnk you, but if you take too long in the debt section it times out and does not save your information, it was very frustrating. Thanks, Sofia New Zealand
5.0 Excellent finance provider, extremely efficient and fast process. New Zealand
5.0 hassle free and great to see a real time loan balance New Zealand
5.0 Application was easy to fill out and request loan. Communication was very good, always knew where my application was in the system BOP, New Zealand
5.0 So helpful and good finance New Zealand
5.0 Excellent service, love that we have been recognised for being good payers and been given a loan at a good interest rate. Thank you New Zealand
5.0 Simply the best, easy user friendly loan application system, 10/10 New Zealand
5.0 Excellent most of my loan's have been approved so I am hoping this is approved be a great Christmas gift thanks Rotorua,bay of plenty, New Zealand
5.0 best experience looking for a loan, service was great, quick and easy New Zealand
5.0 Great
Working in the finance industry aside from my errors in submitting its very slick
New Zealand
5.0 Harmoney has been the best, Thank you for loan. Esp Jason for helping me finish this. Excellent help and service 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

Establishment fee

Early repayment fee
  • Fixed interest rates from 6.99% p.a. to 19.99% p.a.¹
  • Establishment fee of $150
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan
  • All loans are unsecured

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.

Unsecured icon

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

Money fast icon v2

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 $2,000 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...

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 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

Car icon v3

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

Find out more

Debt con icon v2

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

Find out more

Holiday icon v2

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

Find out more

Personalised rates icon v4

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

Find out more

Medical icon v2

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

Find out more

Renovation icon v2

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

Wedding icon v2

Your wedding should be a day to remember – for the right reasons. Plan your perfect day with a Harmoney wedding 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 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 loan terms being accepted (based on loans submitted in 2021).