16x9

Holiday loans

Make the most of your holiday

Personalised rates from 6.99%¹


Won't affect your credit score

COVID-19: help and information for our customers

Find out more on our Covid-19 updates page.

Canstar winner 5 years in a row
canstar 2015 v3
canstar 2016 v3
canstar 2017 v2
canstar 2018 v2
canstar 2019 v2

We know travel costs can add up

That's why we're here to help you plan ahead and make the most of your trip

be prepared
NO SURPRISES

Plan ahead to cover the big expenses. Be prepared for unexpected costs with no surprise credit card fees.

simplify v3
KEEP IT SIMPLE

With one easy-to-manage loan you can cover all your expenses and spending money.

make memories
MAKE MEMORIES

Enjoy quality, stress-free time away. There's no need to put off creating those lifetime memories.

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.

What we offer

$2K - $50K

Loan limits
3 or 5 years

Loan terms
$200 or $450

Establishment fee
$0

Early repayment fee
  • All loans are unsecured
  • Rates from 6.99% - 29.99% p.a.¹
  • Your rate is fixed for the life of the loan
  • You can repay weekly, fortnightly or monthly
  • Establishment fee of $200 for loans under $5,000 ²
  • Establishment fee of $450 for loans $5,000 and over ²

Find out more about our rates and fees

Get the loan that works for you

Spend more time living and less time figuring out how to pay for the things you need

personalised rates
PERSONALISED RATES

Interest rates are based on your individual credit assessment, not one-size-fits-all.

time
GET YOUR MONEY FAST

Most people receive their money within 24 hours of accepting their loan terms.

online v2
100% ONLINE – 24/7

No queues and no need for any awkward face-to-face meetings.

4.7/5
★★★★★
★★★★★

Get started with Harmoney today

Thousands of clever Kiwis are switching to Harmoney to achieve their dreams.

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.

Other ways to contact us Visit our help centre

Customer service m wide min v3

Terms and conditions

1. 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.

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 29.99% p.a. on 36 to 60 month terms, with no early repayment penalties.