Simplify into one

Apply online in minutes
Rates from 6.99% — 29.99% p.a.*
Borrow $2K — $70K unsecured
No break fees for early repayment
Get a free no-obligation estimate.
Or call 0800 427 666 (9am - 6pm)

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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

Consolidating debt — the smart way to simplify your life

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 simplfy

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.


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.


Getting funded

Once funded, the money is deposited into your bank account, or disbursed to pay off your debts (if you're consolidating debt).

Get a free no-obligation estimate
Apply now
Or call 0800 427 666 (9am - 6pm)

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

In a nutshell

Platform fee
Early termination fee
Loan limits
$2,000 — $70,000
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

Ready to begin?

Get a free no-obligation estimate
Apply now
Or call 0800 427 666 (9am - 6pm)

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.