This page was archived November 2021. View our current interest rates and fees
Personal loans Interest rates and fees Archived November 2021


Fair rates. Simple fees.

Personalised rates from 6.99% to 19.99% p.a.¹
Establishment fee $150 ²

Won’t affect your credit score

Last updated — August 2021


6.99% to 19.99%¹

Interest rates

Establishment fee

Monthly account fee

Early repayment fee

If you keep up with your regular repayments the only fee you’ll pay is the one-off Establishment fee.

Interest rates

    Fixed interest rates

    6.99% to 19.99% p.a.¹

    We assess your financial situation and assign you a rate, so you pay based on your individual circumstances, not everyone else's. Learn more about how interest rates work.

    Get your rate

    If you’re thinking about getting a loan, you can check what interest rate will apply to you through our no obligation quote, which won’t affect your credit score.

    Loan fees

    One-off Establishment fee

    Harmoney charges an up front, one-off Establishment Fee of $150 for loans from $2,000 to $70,000.

    The Establishment Fee is added to the approved loan amount and paid to Harmoney on settlement of the loan.

    $0 monthly account or early repayment fee

    We don’t charge monthly account fees or early repayment fees. You can pay your loan off anytime without any penalty, so you can save on interest. If you keep up with your regular repayments the only fee you’ll pay is the one-off Establishment fee.

    Default fees

    If you are having trouble keeping up with your repayments contact our Collections team to discuss your situation before you are charged any additional fees. We’re here to help.

    Dishonour fee

    In the case where a repayment is dishonoured, a $15 fee will be charged to the account due to the additional administration required to re-process the payment. The fee will be due in the next payment.

    Overdue fee

    The Overdue Fee is charged if a payment is not made in full and the account goes into arrears. The fee payable is $20 on each of 6, 36, 66, 96, 120 days after the payment date, if the account remains outstanding. The fee will be payable on the next direct debit date.

    Legal fees

    If enforcement action is required against a borrower, any legal and associated third party costs incurred will be charged to the borrower account. The costs charged are due in the next payment.

    Terms and conditions

    1.Loan terms subject to availability.

    2. Subject to approval. Harmoney’s interest rates are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.