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Personal loans Credit card refinance

CREDIT CARD refinance

Clean up your bills and start fresh.

Fixed personalised interest rates from 9.99% p.a. to 24.99% p.a.(plus an establishment fee of $150).¹

Won’t affect your credit score

Canstar's most awarded Personal Loan (Ever!)
CANSTAR 2015 2022 Outstanding Value Personal Loan OL
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Credit cards could be costing you more

That's why we're here to help you get rid of credit card debt the smart way.

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Credit card bebt consolidation rolls your credit cards together, so you only have to deal with one interest rate and one repayment schedule.

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Making a plan to reduce credit card debt is a big step towards financial freedom. Cutting up your cards will help you get debt-free sooner.

stress free

With a good credit history, you may qualify for a lower interest rate with Harmoney. That frees up more cash for doing the things you want to do.

Simple, 100% online

1. Get to know you

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

2. Get your quote

We provide your detailed quote with your interest rate, borrowing limit and repayments.

3. Get your money

Accept your quote and provide some final details. 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
  • You can get a 3, 5 or 7 year loan term¹
  • 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.²
  • Establishment fee of $150
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan

* 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.

Debt consolidation estimate

Try our debt consolidation calculator to see how much you could save with a new rate and single regular repayment.

Get the loan that works for you

Spend more time living and less time figuring out how to pay for the things you need.

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Interest rates are based on your individual credit assessment, not one-size-fits-all.

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Most people receive their money within 24 hours of accepting their loan terms.

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100% ONLINE - 24/7

No queues and no need for any awkward face-to-face meetings.

What our customers say

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
5.0 Very great! Awesome friendly team on customers services end, and simple and easy to get a personal loan. new zealand
5.0 Easy to use and good system to use for a loan new zealand
5.0 Great service, friendly staff. Hassel free loan. new zealand
5.0 Friendly and helpful staff thank you Joycelyn and Rosie. The process is easier than any other loan provider and the response.when all information ia in was fast plus best competitive rate new zealand
5.0 Always my go to for loans. Excellent customer service new zealand
5.0 Very fast service, helpful alot especially when you are urgently struggle need help! Harmoney Finance is the best finance to help you! Highly recommended. Thank you for your help! Means alot to me new zealand
5.0 I have always enjoyed applying for a loan with Harmony. I will continue because i know i will always receive excellent support from the Harmony team new zealand
5.0 Great Customer Service by Levi, got my loan approved in couple of hours. Highly recommend new zealand
5.0 Great Refinance Interest Rate new zealand

Get started with Harmoney today

Thousands of clever Kiwis are switching to Harmoney to achieve their dreams.

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.Loan terms subject to availability.

2. Subject to approval. 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 you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.