Personalised rates from
6.99% — 29.99% p.a.*
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.
Tell us about your loan and provide us some details about yourself and your finances.
We provide a detailed quote with your interest rate, borrowing limit and repayments.
Accept your quote and provide some final details. Most loans listed in the Marketplace are fully funded within 24 hours.*
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
This quick guide (PDF) gives answers to some common questions around personal loans.Free Download
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Harmoney is regulated by the Financial Markets Authority of New Zealand
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.
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.
*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.