Medical loans
Fast-track a healthier you
Personalised rates from 6.99%¹
Won't affect your credit score
COVID-19: help and information for our customers
Find out more on our Covid-19 updates page.
Canstar winner 5 years in a row
We know medical expenses can add up
That's why we're here to help you tackle your health and happiness
FAST, FUSS-FREE
You could have your funds within a couple of days without the need for any awkward face-to-face meetings.
NO JUDGMENTS
Surgical bills, specialist fees, plastic surgery, Lasik eye surgery, IVF – a loan can could help cover costs for any procedure.
NO HIDDEN COSTS
Pay just one up-front Establishment Fee and rest easy knowing exactly what your repayments will be.
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 people get their money within 24 hours.
What we offer
$2K - $50K
Loan limits
3 or 5 years
Loan terms
$200 or $450
Establishment fee
$0
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
PERSONALISED RATES
Interest rates are based on your individual credit assessment, not one-size-fits-all.
GET YOUR MONEY FAST
Most people receive their money within 24 hours of accepting their loan terms.
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 $50,000. Fixed rates range from 6.99% p.a. to 29.99% p.a. on 36 to 60 month terms, with no early repayment penalties.