Personal loan calculator
Work out your repayments
Get a quick estimate of your repayments
No Establishment Fee.
Get a new loan with Harmoney between 13 and 30 June 2025, and we'll waive the establishment fee entirely, saving you up to $150.
Personal loan calculator
Get a quick estimate of what your repayments might be using Harmoney's personal loan calculator.
Disclaimer: This calculator provides an estimate only based on the example information provided. Loan term, rates, fees, and repayments may differ on application, based on a borrower’s individual credit assessment— see Interest rates and fees for details. This is not an offer, and applications are subject to terms and conditions, approval and funding availability.
Credit history and credit scores
Understand what impacts your credit score
Knowing what affects your score can help you take control of it.
Welcome to Credit Score Bootcamp
Everything you wanted to know about credit scores but were too afraid to ask. Your training for a better financial future starts here.
What's in my credit file?
What do lenders know about you from your credit file?
Types of personal loans
Personal loans can be used for pretty much anything, so long as it’s legal. These are some of our most popular loan purposes.
HOLIDAY LOANS
Cover flights, accommodation, insurance, and more - everything to make your trip memorable.
EDUCATION LOANS
Focus on your future with an education loan to suit your needs.
DEBT CONSOLIDATION
Roll debts into one easy to manage loan with one regular repayment.
CAR LOANS
Negotiate a great deal with confidence, knowing you have the cash you need.
MEDICAL LOANS
Money for medical procedures, covering dental, vision, rehabilitation, and more.
HOME IMPROVEMENTS
Upgrade the kitchen? Landscape the yard? Bring your vision to life.
WEDDING LOANS
PERSONAL LOANS
BUSINESS LOANS
OTHER LOANS
Fast and flexible loans for the money you need.
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.