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Turn your house
into a home

main computer

100% online
Rates 6.99% p.a.* - 29.99% p.a.*
No quotes or valuations required

Why get your home improvements through Harmoney?


No quotes or valuations

Unlike other big financial institutions, we don't expect builders' quotes or regular progress valuation.


Rates from 6.99% p.a.* to 29.99% p.a.*

You're unique, so is your interest rate. It's customised to your circumstances, not everyone else's.


Up to $70K, unsecured.

No ball and chain here, just easy repayments you can afford. No hidden or early repayment fees either.

Quick Estimate

Estimate based on 5 year term. Our interest rates range from 6.99% p.a. — 29.99% p.a. and we offer 3 and 5 year terms.

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*Based on a 5 year term. 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.

Get Started

Getting a home improvement loan funded by Lenders on Harmoney’s peer-to-peer lending marketplace is easy. If you’re looking to do some home renovations but don’t want to borrow against your home equity, a Harmoney home improvement loan could be an ideal alternative. With no equity reversal, our unsecured loans mean you won’t have to put your house on the line.

Home Improvement Loan Calculator

Try out our loan calculator to start your obligation-free, online loan application, and to get an indication of how much your repayments could be. With personalised, risk-based interest rates ranging from 6.99% p.a.* to 29.99% p.a.*, and no early repayment penalties, there’s never been a better time to get started on that home improvement project.

Tackle your DIY with up to $70K

Whether upgrading the kitchen, adding another bedroom or maybe extending the garage, a home improvement loan through Harmoney could save you time and money. Apply for up to $70K, and you could be breaking out the tools in just a few days – or get someone else to.

Peer-to-peer Lending

Peer-to-peer lending is the revolutionary new way to borrow money. Harmoney has introduced this global phenomenon to New Zealand by connecting Borrowers and Lenders through our online marketplace, helping Kiwis enjoy a better experience, using our automated, 100% online process. Find out more about P2P lending.

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.

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

Still have questions?

Further information on unsecured personal loans can be found on the Community Law website.