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.
Simple 100% online process
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.
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.
Choose your terms
Review your personalised interest, loan amount and select the length and loan options that work best for you.
Once funded, the money is deposited into your bank account, or disbursed to pay off your debts (if you're consolidating debt).
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
Free download — home improvements eBook
This quick guide (PDF) gives answers to some common questions around home improvement.Free Download
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Harmoney is regulated by the Financial Markets Authority of New Zealand
Our rates and fees
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?
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.