Take the
stress out
of renovating

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

Won’t affect your credit score
Renovating? - Get helpful e-books and articles over on our resources page.   Check it out

Home improvements made easy

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 the money you need straight away, without the need for quotes from tradies first.


Simple 100% online process


Get to know you

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.


Get your 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)

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

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

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.