a break

Simple 100% online process
Personalised rates from
6.99% — 29.99% p.a.*

Won’t affect your credit score

Make the most of your holiday

Whether you’re jet-setting solo on your big overseas adventure, or taking the kids away for a family holiday, holiday costs can add up quickly. Flights and accommodation can be expensive enough, but then there’s entertainment costs, eating out every day and your end-of-holiday bar bill. Don’t let the expenses stop you from making lifetime memories.


Simple 100% online process


Get to know you

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


Get a quote

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


Get your money

Accept your quote and provide some final details. Most loans listed in the Marketplace are fully funded within 24 hours.*

Apply now
*Subject to funding, 99% of loans submitted to the marketplace reach full funding within 24 hours (based on loans submitted in 2018)

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

An overview

Establishment fee
$200 or $450
Early termination fee
Loan limits
$2K — $70K
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

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.

Get started

Get a quote

Won’t affect your credit score

Getting a holiday loan through Harmoney is simple.

Using your travel loan

It’s simple. If you’re planning a holiday but don’t want to put it all on your credit card, a holiday loan through Harmoney’s peer-to-peer marketplace could be a great alternative. With personalised interest rates and no early repayment penalties, a holiday loan through Harmoney could be just what you’re looking for. Plus, Harmoney only offers unsecured loans so you won’t have to put your home or car on the line.

Calculate your travel loan

Just use our simple loan calculator to start your obligation-free application for up to $70,000. Get an indication of what your repayments could be, then continue on to find out how much you could be approved to borrow, and what rate could apply to you. Use the personal loan calculator.

Using your travel loan

Road trip across the USA, see the sights in Europe, or take a break in the islands; whether you’re planning to travel the world or just take a weekend away, a Harmoney holiday loan could take you just about anywhere.

Loan repayments and Fees

We’re completely transparent and upfront about the fees and interest rates that apply. All Harmoney personal loans have personalised, fixed interest rates range from 6.99% p.a.* – 29.99% p.a.*. Interest rates are set based on the risk grade assigned to each Borrower during their application, ranging from A1 to F5.

If your repayments are always on-time and made in full, the only fee you’ll pay is the Establishment Fee. Read our interest rates and fees schedule to see for yourself.

Travel finance for your Big OE

Planning to take your big OE and travel the world? Go backpacking through Asia, take in the history of Europe, take a drive down Route 66. Wherever you’re dreaming of going, a Harmoney travel loan could help you get there.

What options do I have for paying off my loan?

Harmoney’s marketplace offers loans on a standard 36 or 60 month term. Loans come with a standard monthly repayment, but our team can usually arrange more frequent payments to suit you. Plus, with no early repayment penalties, you get the freedom to pay off your loan early.

What is Harmoney?

Harmoney is NZ’s first licensed peer-to-peer lending marketplace that connects people who want to borrow money with those who wish to lend money. Our marketplace provides a simple way to get a personal loan, online. Get a loan that's funded by Kiwis, and enjoy a better experience. Find out more about P2P lending.

Personal Loans with Harmoney - New Zealand from Harmoney on YouTube.

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.