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Personal loans Car loans

CAR LOANS

Buy your car on your terms

Won’t affect your credit score

No Establishment Fee
Get a new loan with Harmoney between June 12 and June 30 2025, and we'll waive the establishment fee entirely, saving you up to $150.
Canstar's most awarded Personal Loan (Ever!)
CANSTAR 2015 2022 Outstanding Value Personal Loan OL 1
Frame 1162

Benefits of our car loans

Security
Negotiate with cash buyer confidence

With your finance already sorted, you’re ready to search. Unlike dealership finance, we’re proud to keep things simple and transparent. There’s no paperwork or awkward meetings. Help is at your fingertips whenever you need it.
No hidden fees
No monthly or early termination fees

You’re here today and gone tomorrow. No early termination fees. Nada. Zilch. Why get penalised for repaying early?
100 Online v2
100% online, but with a great team available

Our 100% online process makes it easy to get a quote anytime, anywhere. We’re real people and we’re here if you need us. Just call 0800 427 666 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

What we offer

Unsecured
Unsecured

An unsecured loan requires no collateral.

  • $2K - $100K
  • You can repay weekly, fortnightly or monthly
  • 3, 5 or 7 year loan terms¹
  • Know exactly what you’re paying for. No hidden costs. No balloon payments. No surprises.

1. Loan terms subject to availability

Enjoy fixed interest rates for the life of the loan

Unsecured fixed rates from 7.99% p.a. to 24.99% p.a.

What our customers say

5.0 So simple to top up loan and get what we needed. Great experience! new zealand
5.0 I really enjoy using harmoney. I’ve used a few lending companies and so far I always find I come back to harmoney. The service is great and the process to get a loan or top up is super quick and easy. I have been declined by harmoney in the past for a top up loan but I was not upset as they told me that it may not be the best for my financial situation, this is great cause it shows that they’re still ethical and care for your financial being. Great people! new zealand
5.0 As an older technically challenged person, the overall experience was enjoyable. Many times I had to stop the process to find and retrieve documents via email, online banking, IT stuffs etc - it was awesome not having to restart the application again once I went back to it.
Language was easy to understand and pleased that there was an opportunity to "give more details" as to why the loan was needed.
Overall, a great experience.
Nga mihi nui new zealand
5.0 Second time applying for a loan with them, communication is always great new zealand
5.0 Harmoney is the most successful and Amazing service Finance. I can go to to work no phone call ,all I need to communicate is my email and I can always take my time to read and to understand all Loan information they have given me. Team was so excellent in helping me with my loan from start until finalise and approved in no time, well done Team God bless you all !!! new zealand
5.0 I have had several loans from Harmoney over the years and Harmoney is always good to deal with and I am treated as a valued
customer. new zealand
5.0 Loan request and offer has been easy to work through. Staff have been excellent to work with. Quick responses. new zealand
5.0 "I recently had the pleasure of working with Harmoney, and I couldn't be happier with the experience. From the start, their team was professional, knowledgeable, and incredibly helpful, guiding me through every step of the loan application process. They took the time to understand my financial needs and recommended the best options for my situation, making sure I felt comfortable and informed. new zealand
5.0 Harmony team are the best finance that I have met in New Zealand new zealand
5.0 In all the years that I have dealt with Harmoney for various loans etc I have always found the dealings and communications between myself and Harmoney to be swift , polite and always reliable . Harmoney is always my first goto for all my financial needs . Thanks and best wishes to all staff at Harmoney you guys make loans easy. A D Burton. new zealand
5.0 Feeling good about having loan approved! new zealand
5.0 I had reservations about going for a loan but Harmoney was so easy and simple and quick to do online that it was amazing. I'm impressed. new zealand
5.0 Best finance company. Easy to deal with new zealand
5.0 Easy and quick loan process, great customer service. new zealand
5.0 Excellent quick service, love the loan structure!! new zealand
4.8/5

4.7 overall rating
4.8 overall rating