Get the best
deal as a

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

Won’t affect your credit score

Buy your car with confidence

It's no secret – cash-buyers have bargaining power. If you want to negotiate the best price possible for that new car, there's no better way than to walk onto the lot with cash in hand. A car loan funded by Harmoney's investors could give you the bargaining tool you need.


Try our calculator — let’s work it out

Try our car loan calculator and buyers guide to work out how much money you can borrow and what your repayments will be like with Harmoney.

Car loan calculator

Free download — car buying guide

Thinking about buying a car but not sure where to begin? Take a few minutes to read through our easy guide.

Free Download

Simple 100% online process


Get to know you

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


Get a 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)

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

Getting a car loan through Harmoney is simple.

Take control of your finances

Looking for a new car but need some help with car finance? Get a car loan funded by Kiwis in New Zealand’s first licensed peer-to-peer lending marketplace. Our simple car loan application is 100% online, and you could have your loan fully funded (and the money in your account!) in as little as 48 hours after listing it on our marketplace*.

*Loans that reach full funding before 4pm on a weekday will have funds disbursed that night. Loans that reach full funding on weekends or public holidays will have funds disbursed the following business day.

Our Car Loan Calculator

It's simple. Just tell us how much you’re looking to borrow for your car finance – up to $70,000 – and we’ll give you an indication of what your repayments could be. Try our car loan calculator now.

Fair interest rates

Harmoney’s peer-to-peer marketplace provides peer-to-peer loans that offer fair interest rates to Borrowers and Lenders. Our personal loan interest rates range from 6.99% p.a.* to 29.99% p.a.*, and are set based on your assigned risk grade, tailored to your individual circumstances. Plus, Harmoney only offers unsecured loans, so you won’t have to put your new car on the line.

When you’re looking at car finance it can be tricky to compare car loan options, with some other providers offering low-interest car loans with a catch. Our 100% online application process is obligation-free, so you can find out how much you could be approved for, and what interest rate applies to you, without making any commitments. With Harmoney you even get the flexibility to pay off your loan early with no early repayment penalties. Before committing to your loan you’ll be confident that you already know the interest rates, with our fees outlined in advance.  Read our interest rates and fees schedule to see for yourself.

Fixed Fees and Car Loan Repayments

Have the flexibility to pay off your loan early, with no early repayment penalties. All Harmoney’s marketplace loans have a fixed interest rate, so your regular repayment amount won’t increase during the course of your loan. We’re totally open about our fees, with no hidden fine print, so you won’t get stuck with a payment plan you can’t afford.

Personal Loans with Harmoney - New Zealand from Harmoney on YouTube.

Peer-to-peer Lending

Want a better way to borrow money? Peer-to-peer lending connects Borrowers and Lenders through an online marketplace. It's changing the way the world lends, and we've brought it to NZ with our intuitive, 100% online process. Get a loan that's funded by Kiwis, and enjoy a better experience. Find out more about P2P lending.

What is Harmoney?

Harmoney is NZ’s first licensed peer-to-peer lending marketplace that connects people who want to borrow money with those who wish to lend money. Our marketplace provides a simple way to get a personal loan, online.

Applying for a Peer-to-Peer Car Loan

When you list your car loan on Harmoney’s peer-to-peer lending marketplace, Lenders browsing the marketplace can choose to fund you. Before we can present your car loan application to our Lenders, we need to verify your ID and your finances. We’ll let you know whether your application is approved, and if so, you’ll be provided with a loan offer. This is where you’ll get to confirm the amount you want to borrow, and select the term of your loan.

Once you’ve reviewed your loan offer, we’ll ask you to share your story with the Lenders who might fund you– tell them why purchasing this car is so important to you, and why you’re a good investment. Does it mean you can get to work on time? Pick your kids up from school? A loan story that convinces Lenders that you’re a good choice could increase the speed at which your car loan is funded.

Whatever your reason, applying for a personal loan through Harmoney is obligation-free. Our loans are also unsecured, so you don’t have to put your house or car on the line to get the car finance you need.

Why Choose a Peer-to-Peer Personal Loan for Your Next Vehicle Purchase?

Deciding to purchase a new car, second hand or otherwise, is always going to be a big decision. It’s important to choose a vehicle that’s suited to you and your family’s needs, and that its upfront cost and ongoing maintenance are things your finances can keep up with.

A newer car usually has a higher upfront cost, but fewer ongoing costs, while an older car can be the opposite. In the long run, a cheaper car may cost you more, so it’s important to research the models you’re looking at and do the math.

Once you’ve got all that figured out, calculating the size of your car loan may be a bit easier.

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.