Car loans to get you there faster.

With a simple 100% online application process, quick approval & funding, we get you moving faster.

100% Online

Up to $70K, unsecured

*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.
PHOTO: Cindy from New Plymouth made a fresh start happen.

Quick Estimate

Estimate based on 5 year term. Our interest rates range from 6.99% p.a. — 29.99% p.a. and we offer 3 and 5 year terms.

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*Based on a 5 year term. 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.

Fast. Fair.

It can be tricky to compare car loan options with some other providers offering low-interest car loans but with hooks attached. That’s not the Harmoney way.

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.

Fast peer-to-peer loans

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.)

No early repayment fees

At Harmoney, we think it’s unfair to penalise Borrowers for paying back their debt sooner. That’s why we don’t have early repayment fees. If Borrowers can pay back their loan sooner and become debt-free, we think that’s great.

Our loans are unsecured

That means Borrowers don’t need to provide an asset – like a house or vehicle – as collateral. Find out more about unsecured and secured personal loans here.

A better borrowing experience for Kiwis.

Harmoney is a peer-to-peer money marketplace — where everyday people can borrow money from (and lend money to) other everyday people.

If you're borrowing, why is this a great option for you? We give you access to fairer rates, and the flexibility to borrow money on your own terms.

Find out how it works.

And the national press are taking notice…