Bogged down with post-holiday bills? Simplify!

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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.

Debt consolidation loans

Is 2017 your year to keep on top of monthly payments? A debt consolidation loan from Harmoney can take the hassle out of borrowing, by combining your bills, personal loans, credit card payments, and other debt into one easy-to-manage loan, with a fixed interest rate and a regular repayment date in the calendar.
Find out how much you could save with an unsecured debt consolidation loan with our personal loan calculator.

What is debt consolidation?

To help you understand how debt consolidation can simplify your payments and save you money, we've written a free eBook. This simple guide explains how debt consolidation works and how to decide whether it's the right choice for you. Download Harmoney's Guide to Debt Consolidation.

Download our eBook

NZ F 1601011 eBook

Why get your debt consolidation loan through Harmoney?


100% online application.

Apply online and we'll help you secure your debt consolidation loan, with no obligation and no face-to-face meetings.


Rates from 9.99% p.a.*

You're personalised interest rate is tailored to your circumstances, starting as low as 9.99 p.a.*


Up to $70,000, unsecured.

Take out a debt consolidation loan from $1,000–$35,000 with no hidden fees or early repayment charges to worry about.

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.

How can we help?

When you apply for a no-obligation debt consolidation loan through Harmoney, we'll tailor your loan to your specific needs – whether you prefer weekly or monthly repayments, or if you wish to make additional lump sum early payments.
You can apply for a loan from $1,000–$35,000 through our peer-to-peer marketplace, with interest rates starting as low as 9.99% p.a.* See our interest rates and fees.

How much could you save?

To find out whether you'd be better off with a debt consolidation loan, you first need to know what your current debt is costing you. That means calculating what you're paying in principal and interest every month for all your credit cards, personal loans, hire purchases and other debts.

Is debt consolidation right for you?

If you're making multiple payments on personal loans and credit card payments, or you're having to keeping track of repayments on all your loans every month, debt consolidation can make things a lot easier. However, you might not need to centralize your debt, check the cost of making changes to your existing loans or your spending habits.

Learn more about the benefits of debt consolidation.
See our tips on how to get out of credit card debt.

Peer-to-peer debt consolidation loans

Peer-to-peer lending is changing the way people borrow and lend money. If you’re seeking a debt consolidation loan, apply through Harmoney, the marketplace where lenders come to you. P2P lending is an automated, secure and 100% online process that makes it easy.

Find out more about how P2P lending works.

Debt consolidation loans with Harmoney

Harmoney is the first licensed peer-to-peer lending marketplace in New Zealand, where borrowers and lenders come together, with no hidden fees or early repayment penalties.

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.