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debt consolidation LOANS

Take control of your finances

Personalised rates from 6.99%¹

Won't affect your credit score

COVID-19: help and information for our customers

Find out more on our Covid-19 updates page.

Canstar winner 5 years in a row
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We know juggling debt can be stressful

That's why we're here to help you tidy up your finances

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Debt consolidation rolls your debts together, so you only have to deal with one interest rate and one repayment schedule.

debt free

Making a plan to reduce debt is a big step towards financial freedom. Whether you're cutting up credit cards or increasing repayments, every bit counts.

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

Step 1. Get to know you

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

Step 2. Get your quote

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

Step 3. Get your money

Accept your quote and provide some final details. Most people get their money within 24 hours.

What we offer

$2K - $50K

Loan limits
3 or 5 years

Loan terms
$200 or $450

Establishment fee

Early repayment fee
  • All loans are unsecured
  • Rates from 6.99% - 29.99% p.a.¹
  • Your rate is fixed for the life of the loan
  • You can repay weekly, fortnightly or monthly
  • Establishment fee of $200 for loans under $5,000 ²
  • Establishment fee of $450 for loans $5,000 and over ²

Find out more about our rates and fees

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.


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.


Get started with Harmoney today

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

We're real people and we're here if you need us

If you need help, just give us a call on 0800 427 666 or jump on to live chat and one of our more than 30 specialists will be there to lend a hand.

Other ways to contact us Visit our help centre

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Terms and conditions

1. 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.

2. Establishment fee of $200 for loans from $2,000 to below $5,000 and $450 for loans from $5,000 to $50,000. Fixed rates range from 6.99% p.a. to 29.99% p.a. on 36 to 60 month terms, with no early repayment penalties.