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Personal loans


Let’s get you moving. Faster.

Personalised rates from 6.99%¹

Won’t affect your credit score

Canstar winner 5 years in a row
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Get behind the wheel fast and hassle-free

Found the car or vehicle you always wanted, or just looking? Take control with a car loan personalised to your needs.

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Have the negotiating power of cash on your side by getting a car loan approved before you shop for your next car.

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We won’t use your new car (or any other asset) as security at Harmoney. Our personal loans are unsecured, so all you have to worry about is enjoying your new vehicle.

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With a fixed rate loan catered to your needs you can buy your next vehicle with confidence.

What our customers say

5.0 Fast and affordable
Recommend to all family and friends
And the chat and email responses were fantastic. Kris from Customer Care online chat was there and respond fast. I applied online for a loan from Instant Finance takes a week before they contacted me if still interesting too bad i applied with Harmoney only minutes and i found out that got approved. I m still waiting now for a second quote coz i changed the amount but 24hrs not over yet as promised. Thanks and keep up the good work. When you treat customer right they wont ever leave
Auckland, New Zealand
5.0 Quick and easy! Makes things like buying a car so easy! Taranaki, New Zealand
5.0 Easy to use platform, harmoney has provided our family with the means to consolidate debt and purchase a car. Thank you harmoney for being there when we needed you! Auckland , New Zealand
5.0 Very quick an affordable love the service.
Hawkes bay, New Zealand
5.0 Quick and hassle free application process. Great communication and very satisfied with outcome. Highly recommend. Auckland , New Zealand
5.0 Excellent and affordable very friendly Waikato, New Zealand
5.0 Very satisfied Wellington, New Zealand
5.0 Sweet Auckland, New Zealand
5.0 Absolutely satisfied when you want a loan go to Harmoney. Highly Recommended Whangarei, New Zealand
5.0 This is my first application for a loan outside of traditional banks. The website had all I needed to find out about Harmoney. From start to finish i found Harmoney informative and helpful in all email, messages and phone correspondence. I was surprised at how unintrusive and quick this process was. In 2 days I had the funds I needed to help complete building renovations on our family home. A very satisfied customer. , New Zealand
5.0 Great online service, hassel free and a great team to work with. Fast and awesome results.
The payment plans are affordable and fits in my budget, not to mention the payout option without extra fees.
Thanks Harmoney
Far North, New Zealand
5.0 Thankyou Northland, New Zealand
5.0 Great service. I could not believe the patience when I phoned through to finalise my application and how quick it was for the approval to come through. I am going to get my new car. Thank you for everything team at Harmoney!. , New Zealand
5.0 Very quick and easy application process.
Very responsive feedback.
Transaction was completed within a few hours, would usually have taken days with traditional lenders.
Overall very satisfied and would recommend to others.
Waikato , New Zealand
5.0 The whole procedure from beginning to end was quick,effective and hassle free.

I would recommend HARMONEY to my friends and family,just wish I'd known about them sooner.

Very satisfied customer.
2. NZ - North Island, New Zealand
5.0 Very satisfied Auckland , New Zealand
5.0 It was so quick and easy everything on line and at your fingertips I was funded in the time it took to drive to work amazing Canterbury, New zealand
5.0 Wow what a very efficient and easy to follow step by step online service. The approvel and money was in my account within 24hrs. Thank you Harmony I was very satisfied in every way. NZ , New Zealand
5.0 fast, reliable, friendly and affordable

Would recommend above any other lending option.

Staff are knowledgeable friendly, professional and and most importantly helpful!
Auckland, New Zealand
5.0 thankyou Auckland, New Zealand
5.0 After getting declined a couple of times for a top up, thank goodness for Harmoney a very helpful person managed to help me out and i am one satisfied customer. Rotorua, New Zealand
5.0 I never thought I could do it on the same day!!! It was fast and so easy and not a lot of waiting (I suppose it depends on your credit rating) but if you have good credit, it'll be sweet as!!! Very happy and I'm a very happy customer! I'd definitely recommend you guys! Auckland, New Zealand
5.0 Awesome & fast. So easy to deal with. Repayments are also affordable. , New Zealand
5.0 I'm a very satisfied customer. , New Zealand
5.0 Very satisfied with the staff and service of Harmoney. Thank you very much. New Zealand,
5.0 Thanks Harmoney for your help and support, I am very satisfied with the process. , New Zealand

Fast 100% online loan

1. Get to know you

Let’s get you in that new vehicle. First we just need to know some details about you and your finances.

2. Get your estimate

Your car loan estimate will have detailed but easy-to-understand terms, and customised to your individual needs.

3 Get your money

If you’re happy with your estimate, we’ll ask you for some final details so we can wrap everything up. Most people get their money within 24 hours.

What we offer

$2K - $70K

Loan limits
3 or 5 years

Loan terms
$200 or $450

Establishment fee

Early repayment fee
  • Interest rates from 6.99% p.a.24.69% p.a.¹
  • Establishment fee of $200 for loans under $5,000²
  • Establishment fee of $450 for loans $5,000 and over²
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan
  • All loans are unsecured

Find out more about our rates and fees

Our loans aren’t only fast, they’re fair

Get the money you need quickly so you can spend more time finding the right vehicle for you.

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Pay a fair interest rate calculated on your individual credit assessment.

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100% ONLINE - 24/7

No need to leave the house, application, approval and payment are all online.

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We won’t charge you any fees for early repayments so you can be debt free sooner.

Common car loan questions

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Can anyone apply for a car or vehicle loan?

In Australia - to apply for a Harmoney loan you need to:

  • Be 18 years or older
  • Be an Australian citizen, Permanent Resident or New Zealand citizen
  • Be full-time or permanent part-time employed
  • Have photo ID documents such as an Australian driver’s licence or passport available
  • Not have any defaults, judgements or bankruptcies on your credit file
  • Require a minimum $2,000 loan

In New Zealand - to apply for a Harmoney loan you need to:

  • Be 18 years or older
  • Be a New Zealand citizen or Permanent Resident
  • Be earning a stable income

The process of applying for a car loan with Harmoney is the same as for most other types of loans and can be completed 100% online.

Do I need to have a deposit before I apply?

No, you can apply to borrow the full amount you need to purchase the vehicle, as well as any related costs such as on-road costs or insurance, if you wish.

We recommend that you only borrow what you need, as if you’ve managed to save some money toward the cost of purchasing a car or vehicle, this could mean you need to borrow less. And the less you borrow, the sooner you can pay off the loan and the less interest you’ll need to pay.

Can I include on-road costs and insurance in my car loan application?

Yes, you can include all costs related to purchasing your new (or used) vehicle.

What type of vehicle can a car loan be used for?

You can apply for a loan to purchase any type of vehicle, including a motorhome, off-road vehicle, motorcycle or electric bike, as long as the purchase itself is legal.

Can I use the loan to buy a car or vehicle privately?

Yes. You can use your personal loan to purchase a car or just about any type of vehicle privately, be that at a car fair, online car dealer, auction site or even a build-your-own kit set car. How you achieve your goal of acquiring the vehicle is up to you, so as long as it’s legal.

Can I use a Harmoney loan to pay off my loan from the car dealer?

A Harmoney car or vehicle loan is for people who are planning to purchase but haven’t done so yet. If you’ve already used finance to purchase a vehicle, there could still be options to help you – such as a Harmoney debt consolidation loan to refinance your car loan.

Quick car loan estimate

Find out what your interest rates and repayments will be by using our quick estimate loan calculator.

About car finance

A car loan is a type of personal loan which can be used to purchase a new or used vehicle.

A car loan is a type of personal loan which can be used to purchase a new or used vehicle. When deciding on the car loan that is right for you, it’s important to understand the different elements of a loan and how they affect the type of loan you should choose.

Unsecured car loan

An unsecured car loan is a loan which does not require an asset as security. Often car loans require the car itself as security on the loan, meaning if you default payments the car can be repossessed.

At Harmoney, all our car loans are unsecured, meaning you never have to worry about losing your car.

Secured car loan

A secured car loan requires an asset, or collateral, to secure the loan. The vehicle itself is often used as security, although other assets such as property can be used as well. If you default on a secured loan the asset you put up to secure the loan can be seized and sold to recoup the cost of the loan.

Harmoney does not offer secured car loans.

Car finance

Many car dealerships offer their own finance options. These are essentially just another type of personal loan used to finance a vehicle purchase. It’s important to understand how these types of loan work before signing up to one.

You should ask what fees and charges are involved in the loan, whether the interest rate is fair and if it is fixed or variable, whether the loan requires security and what the loan term will be.

If you are already signed up to a car finance deal that isn’t working for you, refinancing with a Harmoney debt consolidation loan could help you make your payments.

Car lease

Rather than borrowing money to purchase a car, car leasing is essentially paying to borrow a car for a fixed period of time. At the end of the agreed lease period, for instance three years, the car is returned to the dealership and can sometimes be purchased for a reduced rate or replaced with a newer model and a new lease agreement.

There can be tax benefits associated with leasing, making it a popular choice with businesses.

Get moving today

Apply for a car loan and get your next vehicle sooner.

Type of personal loans

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Apply for an education costs loan from Harmoney to help cover textbooks, equipment, accommodation and other expenses so you can get back to focusing on your studies.

Find out more

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Get that new or used vehicle you’ve been dreaming of with a car loan from Harmoney.

Find out more

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Are you juggling credit cards, loans and other debts? A debt consolidation loan could combine them into one simple payment schedule.

Find out more

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With a holiday loan from Harmoney, you can cover flights, accommodation, tours, car rental, food and drink and travel insurance so all you have to do is enjoy yourself.

Find out more

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Whether it’s an unexpected bill or a long-anticipated procedure, a Harmoney medical loan can cover the associated costs.

Find out more

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If you’re ready to give your home a boost, a renovation loan can make your home improvement goals happen.

Find out more

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Whatever stage your business is in, Harmoney can provide a business loan to take your business to the next level.

Find out more

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No need to cut corners, with a wedding loan you can create the wedding day you’ve always dreamed of.

Find out more

We're real people and 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. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 24.69% 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. 99% of loan applications are funded within 24 hours of loans terms being accepted (based on loans submitted in 2018).

2. Establishment fee of $200 for loans from $2,000 to below $5,000 and $450 for loans from $5,000 to $70,000. Fixed rates range from 6.99% p.a. to 24.69% p.a. on 36 to 60 month terms, with no early repayment penalties.