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Or call 0800 427 666 (9am - 6pm)

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Fast. Simple. Accurate.

With a Harmoney quote, you get full details of your loan amount, interest rate and repayments before needing to make any decisions.

YOUR LOAN QUOTE

Harmoney's fast and simple quote process means we can give you an accurate quote for how much you can borrow, and at what interest rate, based on your individual circumstances.

YOUR CREDIT FILE

We run a quick check on you credit file to give you an accurate quote. But this enquiry won’t impact your credit score, so you can look around for the loan that is best for you.

YOUR CREDIT SCORE

Getting a Harmoney quote won’t impact your credit score - so you can shop around for the best deal before applying for a loan.

How credit scores work

In general, the higher your credit score the more creditworthy you appear to companies that provide credit. Companies like utilities (e.g. electricity, phone) and financial service providers will usually check your credit score before providing products and services.

Your credit score is a number - usually between 0 and 1000 - determined by a credit bureau based on all the credit information they have collected about you. The higher the number, the better your score.

Your credit score is one of the things Harmoney takes into account in determining your loan terms, and a high credit score is helps it getting a lower interest rate with Harmoney.

Learn more about credit scores

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Credit Score Bootcamp

Get a better credit score and open doors to better financial products. Credit Score Bootcamp is our comprehensive guide to everything you need to know about credit scores.

Start now

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Understand what impacts your credit score

Knowing what affects your score can help you take control of it. Take a look at answers to common questions around the things that impact your score.

Read more

Simple, 100% online

Step 1. Get to know you

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

Step 2. Get your quote

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

Step 3. Get your money

Accept your quote and provide some final details. Most people get their money within 24 hours.

We're real people and we're here if you need us

If you need help, just give us a call on 0800 427 666 or jump on to live chat and one of our more than 30 specialists will be there to lend a hand.

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Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 24.69% 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. 99% of loan applications are funded within 24 hours of loans terms being accepted (based on loans submitted in 2018).

2. Establishment fee of $200 for loans from $2,000 to below $5,000 and $450 for loans from $5,000 to $50,000. Fixed rates range from 6.99% p.a. to 24.69% p.a. on 36 to 60 month terms, with no early repayment penalties.