# Harmoney Household Items — New Zealand

Finance your household essentials

A fridge that needs replacing, furniture for a new home, or appliances that have reached the end of their life. Store finance and buy-now-pay-later often come with higher costs than they appear.

The items you need, paid for with one fixed repayment at a rate you know upfront.

A Harmoney personal loan lets you borrow $2,000 to $20,000 for furniture, whitegoods, appliances, or any household purchase. Unlike store finance or buy-now-pay-later, your rate is fixed and transparent from day one.

Harmoney holds Financial Service Provider licence FSP 593769.

Typical amount for this purpose: $2,000 – $20,000 — guidance, not a product limit; the loan amount range below applies.

## How household items finance works

- Check your rate: A soft inquiry in as little as 2 minutes — no impact on your credit score.
- Choose your loan: Pick an amount and term that fits your budget.
- Get funded: 93% of approved loans are paid out within 24 hours. Subject to responsible lending inquiries.
- One repayment: Fixed weekly, fortnightly, or monthly — you choose.

## Getting the best value

**Compare total cost, not monthly payments.** Store finance and buy-now-pay-later may appear cheaper per month but often cost more in total when fees and deferred interest are included.

**Buy quality where it matters.** For major appliances like fridges and washing machines, a more reliable model costs less in the long run than replacing a cheap one in two years.

**Check warranty coverage.** Many whitegoods come with manufacturer warranties of 2 to 5 years. Check what is covered before buying extended warranties.

## Personal Loan (unsecured)

- Interest rate: 7.99% p.a. – 24.99% p.a. (fixed)
- Loan amount: $2,000 – $100,000 (increments of $100)
- Terms: 3, 5 and 7 year
- Repayments: weekly, fortnightly and monthly
- Establishment fee: $150
- No monthly fees, no early-repayment fee.

### Important information

Harmoney Services Limited (FSP593769). Dispute resolution: Financial Services Complaints Limited (FSCL) – a Financial Ombudsman Service, membership 5288.


The rate offered depends on your individual credit assessment. Fees, charges, terms and conditions apply.