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.
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.
Once funded, the money is deposited into your bank account, or disbursed to pay off your debts (if you're consolidating debt).
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.
in our growing community.
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Harmoney is regulated by the Financial Markets Authority of New Zealand
Our rates and fees
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?
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.