DEBT CONSOLIDATION LOANS

TAKE CONTROL
OF YOUR CREDIT
CARD DEBT

Simple 100% online process
Personalised rates from
6.99% — 29.99% p.a.*
 
 

Credit cards could be costing you more

Consolidating your credit card debt is the smart way to simplify your life. Combine all your credit card debt into one easy-to-manage loan, and put a date on being debt-free! Plus, here at Harmoney, we do all the hard work! We’ll arrange to pay off your creditors for you, to save you the hassle.*

 

TAKE CONTROL OF YOUR FINANCES

Making the choice to reduce debt is a big step towards financial freedom. Whether it's cutting up the credit cards or increasing repayments, every bit counts.

SIMPLIFY SIMPLIFY SIMPLIFY 

No more juggling of numerous interest rates and repayment schedules. Debt consolidation simplifies this into one interest rate, one repayment schedule, and one creditor.

LESS STRESS, MORE LIVING

If you have a good credit history you may qualify for a lower interest rate with Harmoney. Which frees up more cash for the things you want to do–not paying bills.

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Simple 100% online process

1.

Get to know you

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

2.

Get your quote

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

3.

Get your money

Accept your quote and provide some final details. Most loans listed in the Marketplace are fully funded within 24 hours.*

Apply now
 
*Subject to funding, 99% of loans submitted to the marketplace reach full funding within 24 hours (based on loans submitted in 2018)

Our rates and fees

In a nutshell

Platform fee
$450
Early termination fee
$0
Loan limits
$2,000 — $70,000
Loan terms
3 or 5 year

You also need to know...

  • All loans are unsecured
  • Rates 6.99% -- 29.99% p.a.
  • Your rate is fixed for the life of the loan
  • You can repay weekly, fortnightly or monthly

We've got your interests at heart.

personalised-rate

You're unique, and so is your rate*

Our rates are personalised to you, so your rate is based on your circumstances, not everyone else's.

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Get your money fast.

Most loans listed in the Marketplace are fully funded within 24 hours.

online-application

A Streamlined 100% Online Application.

No queues, no need for any awkward face-to-face meetings — our process is 100% online, 24/7.

* Harmoney's interest rates and maximum loan amounts are offered based on the individual borrower's credit and affordability assessment.

Get started

 
Apply now
 

Trust and Security

trust-shield

$750,000,000

in funded loans.

312,000 members

in our growing community.

Bank Grade Security

with 256-Bit SSL encryption.

Harmoney is regulated by the Financial Markets Authority of New Zealand

Here when you need us.

Sometimes you just need to talk to a person, and we have a super-dedicated Customer Support team ready to help you. It’s a team effort, so you might get Michael, Kristen, Sahil, or any of our other 30+ specialists.

Terms & Conditions

*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.