Home
improvements
loans

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

Why get your home improvements through Harmoney?

Whether upgrading the kitchen, adding another bedroom or maybe extending the deck, a home improvements loan through Harmoney could save you time and money. Plus our loans are unsecured, so you won’t have to put your house on the line. Apply for up to $70K, and you could be breaking out the tools in just a few days – or get someone else to.

We don't expect builders' quotes or regular progress valuation. A Home Improvements loan through Harmoney could give you ALL the money you need straight away, without the need for quotes from tradies first.

Start an application now
Apply now
Or call 0800 427 666 (9am - 6pm)
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Simple 100% online process

1.

How can we help?

Whatever it is is you want to make happen, we're here to help. If you need money for home improvements, let us know and we'll kick things off.

2.

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.

3.

Choose your terms

Review your personalised interest, loan amount and select the length and loan options that work best for you.

4.

Getting funded

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

Start an application now
Apply now
Or call 0800 427 666 (9am - 6pm)
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Try our calculator — let’s work it out

Try our personal loan calculator to work out how a home improvements loan could help you. It's an easy way to get an indication of what your repayments could be.

Personal loan calculator
pdf

Free download — home improvements eBook

This quick guide (PDF) gives answers to some common questions around home improvement.

Free Download

Trust and Security

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$750,000,000

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
$0
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.

Ready to begin?

Start an application now
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.