Personal loans Applying


Simple 100% online process

No queues or awkward face-to-face meetings

Won’t affect your credit score

Getting a Harmoney loan

Getting a Harmoney loan is a simple, fast, and is done entirely online in a few minutes.

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1. Create an account

We ask you to create an account upfront, so we can keep the information we need to give you a personalised rate safe.

It’s super easy and secure. You can quickly and easily create your account by signing up with your Google (or Facebook) account or you can use your email address.

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2. Tell us about you and your loan

The first step is for us to get to know you and understand how a Harmoney loan will help you.

We will need to verify your identity, so you will need to have your NZ drivers license or passport details handy, along with your online banking details.

We will also access your credit information at this point, but this won't affect your credit score.

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3. Share your financial details

Next, we need a clear understanding of your income.

Using secure bank-grade technology we access a read-only view of your bank statements.

By allowing us to view your bank accounts we can get an up-to-date snapshot of your financial situation straight away.

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4. Get your quote

We will now take all the information you have provided us with and work out your quote.

Your quote will include how much you can afford to borrow, your guaranteed interest rate and will show you what your repayments would be like over a 3 or a 5 year term.

You will also see what your repayment amounts would be if you choose to pay weekly or monthly.

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5. Continue with your loan

If you choose to proceed with a loan it will be based on the terms as they appear in your quote. You will just need to complete a couple more short steps.

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6. Get your money

Once you have read and accepted your loan terms, you should get your money in 1-3 working days (most borrowers get their money within 24 hours).

Get started with Harmoney today

Thousands of clever Kiwis are switching to Harmoney to achieve their dreams.

We're real people and we're here if you need us

If you need help, just give us a call us on 0800 427 666 (Mon. - Fri 9am - 6pm) 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.