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Personal loans Business loans

Business loans

Start growing your business.

Won’t affect your credit score

Canstar's most awarded Personal Loan (ever)
CANSTAR 2015 2022 Outstanding Value Personal Loan OL
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Borrow up to $70,000

Whether you’re starting up or growing your company, a business cashflow loan can keep your business goals in sight.

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Most business loans on Harmoney are funded within 24 hours, so you won’t have to delay that important meeting or purchase.

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A small business loan with Harmoney is taken out under your own name, not your business name, which can make accounting easier.

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All our personal loans are unsecured, so you don’t have to put up your home, car, or other property as security.

What our customers say

5.0 Just a easy and no fuss way to do business new zealand
5.0 The best in the business thats why I will always come back to harmoney they treat like family also with there friendly staff new zealand
5.0 I felt this was a seamless transaction, not to many hiccups, and all online as well, I dont know how you keep your trust level so high, but if it helps in some small way, I hope to be able to support business that works in a positive way such as this. new zealand
5.0 By far the best lending company to do business with, fast, friendly, easy as !!! new zealand
5.0 Wow amazing service!!!! new zealand
5.0 Great service wow wonderful would definitely recommend new zealand
5.0 Wow awesome and fast. Thank you as needed this asap and it was verified and approved quick new zealand
5.0 Wow - Harmoney you have made a hard request for me so easy. I’ll be able replan and start saving for buying a home now. Thank you new zealand
5.0 Awesome team to do business with new zealand
5.0 Such an efficient way to do business, would highly recommend new zealand
5.0 I'm all wowed at how fast the process is,, thank you game changer when I needed the money in time to help with our holiday (accommodations & pay part fares)
Thank you Harmony grateful & one happy customer xx
new zealand
5.0 Fabulous service, in and out of normal business hours, brilliant, thank you so much new zealand
5.0 Wow so quick and easy. new zealand
5.0 Wow quick and easy guys and thank you for being so patient with us who aren’t great with technology new zealand
5.0 Working with harmony is a very easy and pleasant experience and look Ford to more business with the later on new zealand

Simple, 100% online process

1. Get to know you

Tell us about the business loan you want, then details about yourself and your finances.

2. Get your quote

Your small business loan quote will detail your interest rate, borrowing limit and repayments.

3. Get your money

If you’re happy with the quote, we need some last details and you should get the money within 24 hours.

What we offer

$2K - $70K

Loan limits
3, 5 or 7 years

Loan terms

Establishment fee

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.

Quick business loan estimate

Get a quick estimate of interest and repayments on your business expenses loan with our online calculator.

Common business loan questions

View more

Accelerate your business growth

Give your business a cash injection where it counts with a cashflow loan.

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100% ONLINE – 24/7

Apply for an online loan without leaving the house.

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Give your business a cash injection where it counts with a cashflow loan.

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Pay a fair interest rate on your business loan based on your personal credit assessment.

About business loans

Whether you are establishing a brand new business, expanding an existing company or need extra cash to help with expenses, a small business loan can help you on your way.

It’s important to understand the different aspects of business loans and how they affect you before choosing a loan.

Unsecured business loan

An unsecured business loan is a loan that does not require an asset, such as a car or computer, to be put forward as security. If you fall behind on loan repayments, you will need to pay an extra fee but won’t lose your assets, making this a safer loan option.

Harmoney only offers unsecured loans.

Secured business loan

Secured business loans require an asset to be offered up as security or collateral. If you default on repayments for a secured loan, your assets can be repossessed by your loan provider. Secured loans can sometimes carry lower interest rates but are a risky option due to the possibility of losing your assets.

Secured loans are not offered by Harmoney.

Line of credit

Line of credit can be established with loan providers, though it carries fees and interest, and is subject to eligibility requirements. It’s a service that allows you to draw on credit whenever it’s needed and is only available to established businesses. As Harmoney business loans are personal loans they are open to everyone, based on their individual circumstances.

Fixed vs variable loan

A loan can have one of two types of interest rate, either fixed rate or variable. A fixed interest rate remains the same from month to month, regardless of any external factors, whereas a variable rate will fluctuate in accordance with the market rate.

At Harmoney, our business loans always have fixed interest rates, meaning you can be certain of your payment amounts and are better able to budget.

Grow your business today

Make your business goals reality with a small business loan.

Types of personal loans

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Get the cash to buy your new car upfront – and take that power to the negotiating table.

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Take the pressure off and focus on your studies with an education expenses loan.

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Make your life simpler with debt consolidation, one easy payment that covers all your debts.

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Everything from flights to travel insurance to food and drink can be covered with a holiday loan.

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Whatever stage your business is at, achieve your goals with a business loan from Harmoney.

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Focus on your health and let a medical expenses loan from Harmoney cover the cost of your treatment.

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Whether you need an extra bedroom, a new kitchen or are putting in a pool a home improvement loan can get your renovation plans off the ground.

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Make your wedding dreams a reality with up to $70,000 towards your big day with a wedding loan.

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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.