# Harmoney Other — New Zealand

Personal loans to start just about anything

Sometimes the reason is straightforward — you need money for something that does not fit neatly into a category.

The funds you need, with a fixed rate and a clear repayment plan.

A Harmoney personal loan can be used for almost any personal purpose. Borrow $2,000 to $100,000 over 3, 5, or 7 years. Your rate is fixed for the life of the loan, there are no monthly fees, and you can pay it off early with no penalties.

Typical amount for this purpose: $2,000 – $100,000 — guidance, not a product limit; the loan amount range below applies.

## How other 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.

## Before you borrow

**Borrow only what you need.** Use the calculator on this page to see repayments at different amounts and terms. Choose the combination that fits your budget without overcommitting.

**Consider the total cost.** A lower repayment over a longer term means more total interest. If you can afford higher repayments, a shorter term saves money.

**Check your rate first.** Harmoney shows you your personalised rate before you commit. It is a soft inquiry — no impact on your credit score.

## 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.