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PERSONAL LOANs

Start almost anything.


Won’t affect your credit score

Canstar's most awarded Personal Loan (Ever!)
CANSTAR 2015 2023 Outstanding Value Personal Loan OL
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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 Easy and very fast already did a loan with harmoney in the past and their communication and services have been the best new zealand
5.0 I have found harmoney to be very good and fast in getting my loan completed. new zealand
5.0 The best finance company new zealand
5.0 Great service and knowledgeable too. Super helpful and understanding with a lot of my questions gave me peace of mind in my decision to choose Harmony for my first loan. new zealand
5.0 Awesome fast easy service and helping me get ahead with my finance love it new zealand
5.0 Always willing to help and make getting loan so much easier when you have a good pay history new zealand
5.0 Awesome Service as always!!! I most definitely recommend Harmoney as a lender. I wish that I had tried them years ago, and now always come back should I need a loan. Very helpful, understanding and friendly team :) thank you Harmoney! new zealand
5.0 I know it is so easy to say you did good based on a approval of loan, but for me it is so much more then that, you have given me the ability to be stress free and go away after a big loss and really take care of me and I really do appreciate it, I have no words to thank you all so much it.was quick and easy. Thank you so much. new zealand
5.0 Very great! Awesome friendly team on customers services end, and simple and easy to get a personal loan. new zealand
5.0 Easy to use and good system to use for a loan new zealand
5.0 Great service, friendly staff. Hassel free loan. new zealand
5.0 Friendly and helpful staff thank you Joycelyn and Rosie. The process is easier than any other loan provider and the response.when all information ia in was fast plus best competitive rate new zealand
5.0 Always my go to for loans. Excellent customer service new zealand
5.0 Very fast service, helpful alot especially when you are urgently struggle need help! Harmoney Finance is the best finance to help you! Highly recommended. Thank you for your help! Means alot to me new zealand
5.0 I have always enjoyed applying for a loan with Harmony. I will continue because i know i will always receive excellent support from the Harmony team 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, 5 or 7 years

Loan terms
$150

Establishment fee
$0

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.

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MORE THAN A LOAN

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

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PERSONALISED RATES

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

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SIMPLIFIED BORROWING

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

Common personal loan questions

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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, 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

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CAR LOANS

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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DEBT CONSOLIDATION

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

Find out more

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HOLIDAY LOANS

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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EDUCATION LOANS

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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BUSINESS LOAN

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

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MEDICAL LOANS

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

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RENOVATION LOANS

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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WEDDING LOANS

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.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.