loans for

Simple 100% online process
Personalised rates from
6.99% — 29.99% p.a.*

Won’t affect your credit score

Personal Loan vs Business Loan

It could be to buy new and used business assets – such as healthcare equipment, forklifts, vehicles, or manufacturing machines. Whatever your business needs cash for, Business Finance is a simple way to get the funds you need.

Unlike a business loan, a loan through Harmoney is a personal loan. This means you take it out under your own name, and you are personally liable for all repayments. With personalised interest rates hundreds of entrepreneurial kiwis have already started their business dreams through Harmoney.

Apply now

Simple 100% online process


Get to know you

Tell us about your loan and provide us some details about yourself and your finances.


Get your quote

We provide a detailed quote with your interest rate, borrowing limit and repayments.


Get your money

Accept your quote and provide some final details. Most loans listed in the Marketplace are fully funded within 24 hours.*

Apply now
*Subject to funding, 99% of loans submitted to the marketplace reach full funding within 24 hours (based on loans submitted in 2018)

Try our calculator — let’s work it out

Calculate how a personal loan for business could help you get ahead. It's an easy way to get an indication of what your repayments could be.

Personal loan calculator

Free download — personal loan eBook

This quick guide (PDF) gives answers to some common questions around personal loans.

Free Download

Trust and Security



in funded loans.

312,000 members

in our growing community.

Bank Grade Security

with 256-Bit SSL encryption.

Harmoney is regulated by the Financial Markets Authority of New Zealand

Our rates and fees

An overview

Establishment fee
$200 or $450
Early termination fee
Loan limits
$2K — $70K
Loan terms
3 or 5 year

You also need to know...

  • All loans are unsecured
  • Rates 6.99% — 29.99% p.a.
  • Your rate is fixed for the life of the loan
  • You can repay weekly, fortnightly or monthly

Establishment Fee of $200 for loans from $2,000 to below $5,000 and $450 for loans from $5,000 to $70,000. No early repayment fee.

Get started

Get a quote

Won’t affect your credit score

Here when you need us.

Sometimes you just need to talk to a person, and we have a super-dedicated Customer Support team ready to help you. It’s a team effort, so you might get Michael, Kristen, Sahil, or any of the other 30+ specialists.

Terms & Conditions

*Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 29.99% p.a. and are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.