Borrow up to
$100
K
Interest rates from²
7.99
%
p.a.
Canstar's most awarded Personal Loan (Ever!)
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 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.
How to apply
01
Get to know you
Tell us about the personal loan you want, then provide us with some details about yourself and your finances.
02
Get your quote
We’ll give you a detailed quote with your interest rate, borrowing limit and repayments.
03
Get your money
After accepting the terms and providing some final details, most people receive their money in less than 5 minutes after loan acceptance.
Start almost anything
Customers (and counting!)
100% online
Our AI-driven quote process is 100% online.
No paperwork, no queues and no need for awkward face-to-face meetings.
Super fast
Simply tell us about yourself and your finances and accept the terms to get funded in minutes
Rates tailored to you
Interest rates are based on your individual credit assessment - not one-size-fits-all.
What we offer
Loan amount
$2,000 - $100,000
Loan terms
3, 5 or 7 years¹
Interest rate from²
7.99% - 24.99% p.a.²
Early repayment fee
$0
Establishment fee
$150
Rate type
Fixed rate
Repayment frequency
Weekly, fortnightly, or monthly
Lightning FAST funding
Typically less than 5 minutes
Loan type
Unsecured
Get your money fast
No queues and no need for awkward face to face meetings.
Lightning FAST ⚡
Instant quotes, zero paperwork
Our AI-driven quote process is 100% online and paperwork-free. Get answers in seconds, so you can keep moving forward.
$2,000 to $100,000
Our unique AI will assess your needs and finances to offer you an affordable personal loan that suits your lifestyle.
Personalised for you in a flash
Our smart technology tailors your quote instantly – just answer a few questions, and let AI do the rest.
Lightning fast approvals
Get a quick quote in minutes and in most cases loans are funded in less than 5 minutes. It’s that easy!
4.8
37,009 Reviews
4.7
173 Reviews
4.7
2,611 Reviews
How customers rate us
4.8 out of 5 stars - based on 39,793 reviews
Martin
Last Friday
Fast and efficient, no hassles, thanks.
Foo M.
Last Week
Nice simple process, very open and transparent. And no early settlement fees! This definitely will be my go to if I need money quickly.
Sandra L.
Last Week
Very impressed with the service. Super easy application and super friendly and efficient staff. Thanks so much Harmoney.
What our customers say
Eligibility Criteria
To get a quote in New Zealand;
You must be 18 years or older.
You must be a New Zealand citizen, Permanent Resident or Australian citizen.
Your credit file must not have any defaults, judgments or bankruptcies.
You must have paid employment (which may include self-employment).
You need to borrow at least $2,000 with your loan.
You need to have photo identification documents such as your valid New Zealand passport or driver’s to licence, to hand.
If you are not eligible now, you may be in the future.