See the country in comfort
Personalised rates from 6.99%¹
Won’t affect your credit score
We know buying a motorhome is expensive
That's why we're here to help you find the right one and get you travelling like never before.
A loan to buy a motorhome now could help you finance years of affordable family holidays or find freedom in retirement.
FAST AND 100% ONLINE
Our fast, online application means no need for face-to-face meetings and you could be out touring the country in comfort in days.
Our personal loans are unsecured so there's no need to put your new motorhome, or any other asset, on the line to cover your loan.
What our customers say
Money was in my account on the same day I was approved for the loan. Excellent! Wellington , New Zealand
Thre was a system glitch but this was resolved very quickly. New Zealand
highly recommended & have advised family & friends of harmoneys loan services New Zealand
Granted that my credit rating is 1000 and that I have a guaranteed permanent secondary teaching position but I have NEVER experienced or expected anything as smooth as this Harmony process (FYI: I am 57 years old and a property owner of one rental and have gone through many mortgage and loan applications in the last 20 years. I also have an extensive 30-year secondary teaching career alongside this).
Despite my strong credit history, no hire purchases, an $82 000 salary (guaranteed), and a $610 weekly rental income, my regular bank would not loan me the extra $10 000 needed to complete a new sleepout because, in their view, I was reaching beyond a financial ceiling that they would not finance.
It left me in a pretty pickle as I wanted to complete the sleepout in Christchurch before the 2021 academic year so that I could take advantage of the influx of NZ students into the city post-New Year. The conceting and foundation is down already so, really, it is not going to take too much to complete the actual structure.
My regular bank simply did not want to know despite an extremely positive valuation from a registered and accredited valuer.
Getting this loan is actually a kind of miracle for me. The property has been in my family's hands for 45 years but now I am really adding value and getting some good returns on it (I am also not over-leveraged compared to Auckland properties).
All I can say is, THANK YOU Harmony as I don't have to go back to my bank anymore to beg for the funds required.
Can I also add that I am greatly heartened that I can pay the loan back at anytime without any financial penalty. It really is a great deal tbh and I would recommend this lender to anyone out there who is stuck for funds New Zealand
Recommend to all family and friends
And the chat and email responses were fantastic. Kris from Customer Care online chat was there and respond fast. I applied online for a loan from Instant Finance takes a week before they contacted me if still interesting too bad i applied with Harmoney only minutes and i found out that got approved. I m still waiting now for a second quote coz i changed the amount but 24hrs not over yet as promised. Thanks and keep up the good work. When you treat customer right they wont ever leave Auckland, New Zealand
Not too many requirements. New Zealand
Thank to Harmony. New Zealand
Working in the finance industry aside from my errors in submitting its very slick New Zealand
Easy to follow instructions.
I compared with other agencies and harmony had the best offer. , New Zealand
Establishment fee of around 3.2% of loan value perhaps a little high, but understandable given non-secured nature of loan.
Well structured convenants within disclosure documentation setting out obligations and also nature of early repayment if undertaken.
Could be beneficial (for decision making by borrower) to include actual cost of borrowing (including fees) calculator as can be utilised on such sites as Interest.co.nz
Good follow up by help-desk operator. Southland, New Zealand
Simple, 100% online
1. Get to know you
Tell us about your loan, then provide us with some details about yourself and your finances.
2. Get your quote
We provide your detailed quote with your interest rate, borrowing limit and repayments.
3. Get your money
Accept your quote and provide some final details. Most people get their money within 24 hours.
What we offer
$2K - $70K
3 or 5 years
Early repayment fee
- Interest rates from 6.99% p.a. – 19.99% p.a.¹
- Establishment fee of $150²
- You can repay weekly, fortnightly or monthly
- Your rate is fixed for the life of the loan
- All loans are unsecured
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.
YOU CALL THE SHOTS
Choose from 3 or 5 year terms. And there are no early repayment fees should you decide to repay the loan sooner.
100% ONLINE – 24/7
No queues and no need for any awkward face-to-face meetings.
Quick motorhome loan estimate
Get an idea of what your interest rates and repayments could look like by using our quick estimate loan calculator.
What type of vehicle can a car loan be used for?
You can apply for a loan to purchase any type of vehicle, including a motorhome, off-road vehicle, motorcycle or electric bike, as long as the purchase itself is legal.
Do I need to have a deposit before I apply?
No, you can apply to borrow the full amount you need to purchase the vehicle, as well as any related costs such as on-road costs or insurance, if you wish.
We recommend that you only borrow what you need, as if you’ve managed to save some money toward the cost of purchasing a car or vehicle, this could mean you need to borrow less. And the less you borrow, the sooner you can pay off the loan and the less interest you’ll need to pay.
Will I need to put up my property or vehicle as security?
No. All Harmoney loans – including our home improvement loans – are unsecured, so you won’t need to put up collateral for your loan.
Can I use the loan to buy a car or vehicle privately?
Yes. You can use your personal loan to purchase a car or just about any type of vehicle privately, be that at a car fair, online car dealer, auction site or even a build-your-own kit set car. How you achieve your goal of acquiring the vehicle is up to you, so as long as it’s legal.
Can anyone apply for a car or vehicle loan?
In Australia - to apply for a Harmoney loan you need to:
Be 18 years or older
Be an Australian citizen, Permanent Resident or New Zealand citizen
Be full-time or permanent part-time employed
Have photo ID documents such as an Australian driver’s licence or passport available
Not have any defaults, judgements or bankruptcies on your credit file
Require a minimum $2,000 loan
In New Zealand - to apply for a Harmoney loan you need to:
Be 18 years or older
Be a New Zealand citizen or Permanent Resident
Be earning a stable income
The process of applying for a car loan with Harmoney is the same as for most other types of loans and can be completed 100% online.
Can I include on-road costs and insurance in my car loan application?
Yes, you can include all costs related to purchasing your new (or used) vehicle.
Get started today
Apply today for your motorhome loan and let the memories begin.
Types of personal loans
An education costs loan from Harmoney helps students to focus on their studies rather than worry about their finances.
Finance the purchase of a new or used car or other vehicle. Buy privately or from a dealer, with cash-buyer confidence.
With a holiday loan you can cover car rental, flights, accommodation, and more, so all you have to do is enjoy yourself.
Simplify debt by rolling multiple debts into one debt. One repayment date to remember, and one fixed interest rate.
A Harmoney wedding loan can help you make your special day even more memorable.
A medical expenses loan can cover medical procedures and related costs, be it dental, vision, or other medical expense.
Time to spruce up the home or get to that long overdue landscaping project? Break out the tools with a home improvement loan.
Looking to boost your business to the next level, or need help with business cashflow. A Harmoney business loan could help.
We're real people and we're here if you need us
Terms and conditions
1. Subject to approval and funding. 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 and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply. 99% of loan applications are funded within 24 hours of loan terms being accepted (based on loans submitted in 2018).
2. Establishment fee of $150 for loans from $2,000 to $70,000. Fixed rates range from 6.99% p.a. to 19.99% p.a. on 36 to 60 month terms, with no early repayment penalties.