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
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
Easy to follow instructions.
I compared with other agencies and harmony had the best offer. , New Zealand
Had loan approval confirmation within the hour and finance was deposited within 24 hours. Would highly recommend Harmony to friends and family.
Canterbury , New Zealand
What a sense of relief all my debt consolidation all under one loan.
Great interest rate which out did all banks and I was able to sleep a great night sleep the fact the loan came though and cleared all my numerous accumulating debt.
I can now how a much simpler life and a direction moving forward and know where I am at
Thank you Harmoney. Northland, New Zealand
shirley Northland, New Zealand
Very easy to access all bank details to set up auto payment
This way of getting approved to borrow money is far better than going to a bank or finance office or filling out forms
An excellent way to build a good credit rating for later on
Excellent Service Tauranga, New Zealand
Peter Auckland, New Zealand
Awesome!! , New Zealand
Our bank won't lend to our business, in it's 1st year of operation, even though we have equity. They won't even give a personal overdraft.
Thanks to Harmoney, I am now laughing my way to the bank, where I would have gladly paid more in interest if they had been even remotely interested. Our mainstream bank adversities with the following slogan: "Helping small businesses grow" ~ YEAH RIGHT....... I think that title belongs to HARMONEY.
Thank you Harmoney. When are you starting banking services? Auckland, NEW ZEALAND
I'm very impressed how the money was in my account the very same day. I am ever so grateful because I had been stressing out trying to find a solution and this happened! Thank you Harmoney. Auckland , 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
$200 or $450
Early repayment fee
- Interest rates from 6.99% p.a. – 24.69% p.a.¹
- Establishment fee of $200 for loans under $5,000²
- Establishment fee of $450 for loans $5,000 and over²
- 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 range from 6.99% p.a. to 24.69% 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. 99% of loan applications are funded within 24 hours of loans terms being accepted (based on loans submitted in 2018).
2. Establishment fee of $200 for loans from $2,000 to below $5,000 and $450 for loans from $5,000 to $70,000. Fixed rates range from 6.99% p.a. to 24.69% p.a. on 36 to 60 month terms, with no early repayment penalties.