Consolidating debt — the smart way to simplify your life
Consolidate 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.*
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.
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
How can we help?
Whatever it is is you want to make happen, we're here to help. Tell us why you need the money and we'll kick things off.
Getting to know you and your finances
As a responsible lender, we'll need to verify you are who you say you are, and that you can afford to borrow the money.
Choose your terms
Review your personalised interest, loan amount and select the length and loan options that work best for you.
Once funded, the money is deposited into your bank account, or disbursed to pay off your debts (if you're consolidating debt).
Trust and Security
in funded loans.
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
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.
Ready to begin?
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.