Home improvement loans
Personalised rates from 6.99%¹
Won't affect your credit score
We know renovating can be stressful
That's why we're here to help you create the home of your dreams
GET YOUR MONEY FAST
Apply for up to $70,000 and you could be breaking out the tools in just a few days, or get someone else to.
Our loans are unsecured so there's no need to put your home on the line or wait to build up equity.
We don't need tradie quotes to approve your loan, so there are no delays.
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 loans listed in the marketplace are fully-funded within 24 hours.
What we offer
$2K - $70K
3 or 5 years
$200 or $450
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
Get the loan that works for you
Spend more time living and less time figuring out how to pay for the things you need
Interest rates are based on your individual credit assessment, not one-size-fits-all.
GET YOUR MONEY FAST
Most loans listed in the marketplace are fully funded within 24 hours.
100% ONLINE – 24/7
No queues and no need for any awkward face-to-face meetings.
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.
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 $70,000. Fixed rates range from 6.99% p.a. to 29.99% p.a. on 36 to 60 month terms, with no early repayment penalties.