loans for

Apply online in minutes
Rates from 6.99% — 29.99% p.a.*
Borrow $2K — $70K unsecured
No break fees for early repayment
Start an application now
Or call 0800 427 666 (9am - 6pm)

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 from 6.99% — 29.99% p.a.*, hundreds of entrepreneurial kiwis have already started their business dreams through Harmoney. See our full schedule of fees.

Start an application now
Apply now
Or call 0800 427 666 (9am - 6pm)

Simple 100% online process


How can we help?

Whatever it is is you want to make happen, we're here to help. If you need money for business, let us know and we'll kick things off.


Getting to know you and your finances

As a responsible lender, we'll need to verify you are who you say you are, and that you can afford to borrow the money.


Choose your terms

Review your personalised interest, loan amount and select the length and loan options that work best for you.


Getting funded

Once funded, the money is deposited into your bank account, or disbursed to pay off your debts (if you're consolidating debt).

Start an application now
Apply now
Or call 0800 427 666 (9am - 6pm)

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.

Ready to begin?

Start an application now
Apply now
Or call 0800 427 666 (9am - 6pm)

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.