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Personal loans Credit card refinance

CREDIT CARD refinance

Clean up your bills and start fresh.

Fixed personalised interest rates from 7.99% 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 2023 Outstanding Value Personal Loan OL
MoneyMe 2025

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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SIMPLIFY YOUR LIFE

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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GET DEBT-FREE SOONER

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.
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STRESS LESS, LIVE MORE

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 - $100K
Loan limits
3, 5 or 7 years
Loan terms
$150
Establishment fee
$0
Early repayment fee
  • You can get a 3, 5 or 7 year loan term¹
  • Unsecured fixed rates from 7.99% p.a. to 24.99% p.a.²
  • $150 Establishment Fee
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan
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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PERSONALISED RATES

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

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 So simple to top up loan and get what we needed. Great experience! new zealand
5.0 I really enjoy using harmoney. I’ve used a few lending companies and so far I always find I come back to harmoney. The service is great and the process to get a loan or top up is super quick and easy. I have been declined by harmoney in the past for a top up loan but I was not upset as they told me that it may not be the best for my financial situation, this is great cause it shows that they’re still ethical and care for your financial being. Great people! new zealand
5.0 As an older technically challenged person, the overall experience was enjoyable. Many times I had to stop the process to find and retrieve documents via email, online banking, IT stuffs etc - it was awesome not having to restart the application again once I went back to it.
Language was easy to understand and pleased that there was an opportunity to "give more details" as to why the loan was needed.
Overall, a great experience.
Nga mihi nui new zealand
5.0 Second time applying for a loan with them, communication is always great new zealand
5.0 Harmoney is the most successful and Amazing service Finance. I can go to to work no phone call ,all I need to communicate is my email and I can always take my time to read and to understand all Loan information they have given me. Team was so excellent in helping me with my loan from start until finalise and approved in no time, well done Team God bless you all !!! new zealand
5.0 I have had several loans from Harmoney over the years and Harmoney is always good to deal with and I am treated as a valued
customer. new zealand
5.0 Loan request and offer has been easy to work through. Staff have been excellent to work with. Quick responses. new zealand
5.0 "I recently had the pleasure of working with Harmoney, and I couldn't be happier with the experience. From the start, their team was professional, knowledgeable, and incredibly helpful, guiding me through every step of the loan application process. They took the time to understand my financial needs and recommended the best options for my situation, making sure I felt comfortable and informed. new zealand
5.0 Harmony team are the best finance that I have met in New Zealand new zealand
5.0 In all the years that I have dealt with Harmoney for various loans etc I have always found the dealings and communications between myself and Harmoney to be swift , polite and always reliable . Harmoney is always my first goto for all my financial needs . Thanks and best wishes to all staff at Harmoney you guys make loans easy. A D Burton. new zealand
5.0 Feeling good about having loan approved! new zealand
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
4.8/5

4.7 overall rating
4.8 overall rating

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.