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Personal loans Car loans


Start enjoying your ride from A to B.

Fixed personalised interest rates from 6.99% p.a. to 19.99% p.a.(plus an establishment fee of $150).¹

Won’t affect your credit score

Canstar winner 7 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.


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

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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, 5 or 7 years

Loan terms

Establishment fee

Early repayment fee
  • Fixed interest rates from 6.99% p.a. to 19.99% p.a.¹
  • Establishment fee of $150
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan
  • All loans are unsecured

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

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100% ONLINE - 24/7

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

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

Find out more

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

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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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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 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 loan terms being accepted (based on loans submitted in 2021).