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!)
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.
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.
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.
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 - $70K
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
- 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.
PERSONALISED RATES
Interest rates are based on your individual credit assessment, not one-size-fits-all.
GET YOUR MONEY FAST
Most people receive their money within 24 hours of accepting their loan terms.
100% ONLINE - 24/7
No queues and no need for any awkward face-to-face meetings.
What our customers say
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.
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.