Bogged down with post-holiday bills? Simplify!

main computer

Bogged down with post-holiday bills? Simplify!

Bogged down with post-holiday bills? Simplify!

100% online
Rates from 9.99%
Up to $70k unsecured
99% funded in 24hrs

Harmoney is New Zealand's leading Peer-to-Peer money Marketplace, where everyday people lend money to other everyday people.

Let's be Kiwi with Money

Let's be Kiwi with Money

Harmoney is New Zealand's leading Peer-to-Peer money Marketplace, where everyday people lend money to other everyday people.

Why get your debt consolidation loan through Harmoney?


100% online application.

Apply when you want, where you want, on your terms - and without any uncomfortable face-to-face meetings.


Rates from 9.99%.

You're unique, so is your interest rate. It's customised to your circumstances, not everyone else's.


Up to $70,000, unsecured.

No ball and chain here, just easy repayments you can afford. No hidden or early repayment fees either.

10 Ways to a better credit rate

NZ F 1601011 eBook

If you're curious about credit ratings, and how savvy Kiwis are improving their financial well-being with some simple tricks, we've written a free eBook.

Download "10 ways to a better credit rate" and learn how you could improve your credit record by managing your loan well.

Plus, click here to learn more about credit scoring in New Zealand, Comprehensive Credit Reporting, and how Harmoney can help you.

Download our eBook

Let's do this.

Apply for $1,000 - $35,000 through our 100% online, obligation-free application process, and find out how much you could save by consolidating your debt through Harmoney’s peer-to-peer marketplace. With personalised interest rates starting from a low 9.99%*, thousands of Kiwis have already set a date to be debt free. See our full schedule of fees.

Debt Consolidation Loan Calculator

Try using our loan calculator to see whether a debt consolidation personal loan from Harmoney could work for you. It's an easy way to get an indication of what your repayments could be, and start your personal loan application.

How Debt Consolidation Works

If you’re approved, you could use your Harmoney personal loan to pay off your existing credit cards, personal loans and hire purchases, and with just one loan provider and one regular payment to deal with, your regular bills will be simplified.

What is Peer-to-peer Lending?

Peer-to-peer lending connects Borrowers and Lenders through an online marketplace, where Borrowers post loan listings and Lenders choose loans to fund. It’s changing the way the world lends by using technology to create an automated, 100% online process, helping customers enjoy a better experience. Find out more about P2P lending.

What is Harmoney?

Harmoney is NZ’s first licensed peer-to-peer lending marketplace that connects people who want to borrow money with those who wish to lend money. Our marketplace provides a simple way to get a personal loan, online.

Personal Loans with Harmoney - New Zealand from Harmoney on YouTube.

Still have questions?

Further information on unsecured personal loans can be found on the Community Law website.

*The Legal Stuff

Harmoney's interest rates are offered based on the individual borrower's credit rating according to Harmoney's credit scorecard. To apply for a personal loan through Harmoney, you must be a New Zealand resident aged 18 years or older with a valid New Zealand driver licence or valid New Zealand passport. You must have an acceptable credit record, as determined by Harmoney at its discretion.