# Harmoney Computer — New Zealand

Finance a new computer

You need a new laptop or computer for work, study, or your business — but the upfront cost is more than your budget can handle right now.

Your new computer, paid for with one fixed repayment. No store finance, no interest-free traps.

A Harmoney personal loan lets you borrow $2,000 to $5,000 for a laptop, desktop, or technology equipment. Fixed rate, $0 monthly fees, $0 early repayment fees.

Harmoney holds Financial Service Provider licence FSP 593769.

Typical amount for this purpose: $2,000 – $5,000 — guidance, not a product limit; the loan amount range below applies.

## How computer finance works

- Check your rate: A soft inquiry in as little as 2 minutes — no impact on your credit score.
- Choose your loan: Pick an amount and term that fits your budget.
- Get funded: 93% of approved loans are paid out within 24 hours. Subject to responsible lending inquiries.
- One repayment: Fixed weekly, fortnightly, or monthly — you choose.

## Choosing the right computer

**Match the spec to the task.** A laptop for general use and browsing does not need the same specifications as one for video editing or software development. Avoid paying for performance you will not use.

**Consider refurbished.** Manufacturer-refurbished devices often come with warranties and cost 20-40% less than new. This can reduce the amount you need to borrow.

## Personal Loan (unsecured)

- Interest rate: 7.99% p.a. – 24.99% p.a. (fixed)
- Loan amount: $2,000 – $100,000 (increments of $100)
- Terms: 3, 5 and 7 year
- Repayments: weekly, fortnightly and monthly
- Establishment fee: $150
- No monthly fees, no early-repayment fee.

### Important information

Harmoney Services Limited (FSP593769). Dispute resolution: Financial Services Complaints Limited (FSCL) – a Financial Ombudsman Service, membership 5288.


The rate offered depends on your individual credit assessment. Fees, charges, terms and conditions apply.