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Personal loans Car loans


Buy your car on your terms

Won’t affect your credit score

Canstar's most awarded Personal Loan (Ever!)
CANSTAR 2015 2022 Outstanding Value Personal Loan OL 1
Frame 1162

Unsecured or secured? The choice is yours


An unsecured loan requires no collateral.

  • $2K - $70k
  • You can repay weekly, fortnightly or monthly
  • 3, 5 or 7 year loan terms¹
  • Know exactly what you’re paying for. No hidden costs. No balloon payments. No surprises.
Secured v2

A secured loan is backed by collateral, in this case, your car. That means we can offer you a lower interest rate.

Get all the benefits of an unsecured loan plus:

  • Save up to 16%² in interest costs with our secure car loan option.

Find out how secured loan works

1. Loan terms subject to availability.
2. Estimate only, comparing the total repayments for an unsecured Harmoney loan with a 16.49% interest rate against the total repayments if the loan was secured with a 13.54% interest rate - Total cost of borrowing

Enjoy fixed interest rates for the life of the loan

Secured fixed rates from 9.89% p.a. to 21.49% p.a.
Unsecured fixed rates from 9.99% p.a. to 24.99% p.a.

3. If you take out a secured loan and don’t meet the security conditions within 60 days of the loan advance, the loan will revert to unsecured and the interest rate will change to a higher unsecured interest rate.

Benefits of our car loans

Negotiate with cash buyer confidence

With your finance already sorted, you’re ready to search. Unlike dealership finance, we’re proud to keep things simple and transparent. There’s no paperwork or awkward meetings. Help is at your fingertips whenever you need it.

No hidden fees
No monthly or early termination fees

You’re here today and gone tomorrow. No early termination fees. Nada. Zilch. Why get penalised for repaying early?

100 Online v2
100% online, but with a great team available

Our 100% online process makes it easy to get a quote anytime, anywhere. We’re real people and we’re here if you need us. Just call 0800 427 666 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

What our customers say

5.0 I had reservations about going for a loan but Harmoney was so easy and simple and quick to do online that it was amazing. I'm impressed. new zealand
5.0 Best finance company. Easy to deal with new zealand
5.0 Easy and quick loan process, great customer service. new zealand
5.0 Excellent quick service, love the loan structure!! new zealand
5.0 This is my second time asking Harmoney for financial help and right away they did not hesitate to lend me a hand. They are the best in the country, with their top notch service, easy to understand process and their unbeaten rates new zealand
5.0 The best Finance company ever! Highly recommend!! new zealand
5.0 Fantastic service, clear communication. Third loan with them and still very impressed. They made this process about 3x faster than three other loam companies I tried to work with. new zealand
5.0 Easy and very fast already did a loan with harmoney in the past and their communication and services have been the best new zealand
5.0 I have found harmoney to be very good and fast in getting my loan completed. new zealand
5.0 The best finance company new zealand
5.0 Great service and knowledgeable too. Super helpful and understanding with a lot of my questions gave me peace of mind in my decision to choose Harmony for my first loan. new zealand
5.0 Awesome fast easy service and helping me get ahead with my finance love it new zealand
5.0 Always willing to help and make getting loan so much easier when you have a good pay history new zealand
5.0 Awesome Service as always!!! I most definitely recommend Harmoney as a lender. I wish that I had tried them years ago, and now always come back should I need a loan. Very helpful, understanding and friendly team :) thank you Harmoney! new zealand
5.0 I know it is so easy to say you did good based on a approval of loan, but for me it is so much more then that, you have given me the ability to be stress free and go away after a big loss and really take care of me and I really do appreciate it, I have no words to thank you all so much it.was quick and easy. Thank you so much. new zealand