debt into one
simple loan

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

Won’t affect your credit score

Simplify your life with debt consolidation

Consolidating debt is the smart way to simplify your life. Combine all your 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.*



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.


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


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.


Try our calculator — let’s work it out

Try our debt consolidation calculator to work out how a debt consolidation loan could help you simplify your debts and take back control.

Debt consolidation calculator

Free download — debt consolidation guide

This quick guide (PDF) gives answers to some common questions around debt consolidation.

Free Download

Simple 100% online process


Get to know you

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


Get your quote

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


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)

Trust and Security



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

Our rates and fees

An overview

Establishment fee
$200 or $450
Early termination fee
Loan limits
$2K — $70K
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

Establishment Fee of $200 for loans from $2,000 to below $5,000 and $450 for loans from $5,000 to $70,000. No early repayment fee.

Get started

Get a quote

Won’t affect your credit score

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 the 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.