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.
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.
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.
3. Share your financial details
Next, we need a clear understanding of your income. By allowing us to view your bank accounts we can get an up-to-date snapshot of your finances straight away.
Using secure bank-grade technology we access a read-only view of your bank statements for the past 90 days. With a clear picture of your finances we can then estimate your income.
4. Get your quote
We will now take all the information you have provided us with and work out your loan 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.
5. Continue wita 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.
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
Terms and conditions
1. Subject to approval and funding. Harmoney’s interest rates range from
2. Establishment fee of