Personal loans

Personal loan calculator

Work out your repayments

Get a quick estimate of your repayments

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. 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.

Credit history and credit scores

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Knowing what affects your score can help you take control of it.

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Everything you wanted to know about credit scores but were too afraid to ask. Your training for a better financial future starts here.

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Frequently asked questions

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What is my interest rate based on?



Your interest rate is based on many factors, but a key factor is called the probability of default, that is the risk of you not being able to pay back the loan. This is assessed on the following information that you have provided us:

  • Credit history

  • Financial behaviours

  • Demographic profile

Learn more about interest rates in New Zealand and interest rates in Australia.

How is the cost of my loan calculated?

The cost of your loan is calculated by the loaned sum + interest + any fees that are incurred through loan administration. Our loan repayment calculator gives you quick estimate on what you’ll have to pay.



NZ personal loan calculator

AU personal loan calculator

What do I have to repay?

You have to pay back the total amount borrowed, including the Establishment fee.

You must also pay interest on the full loan amount. Interest is calculated by multiplying the unpaid loan balance by the annual interest rate.

The annual interest rate is fixed and specified in the loan offer. It is also confirmed in the loan disclosure. Interest is charged monthly.

If you do not repay the amount due by the due date, you will also have to pay additional fees as outlined in the links below:

If you have chosen to include Payment Protect in your loan (NZ only) you must also pay the Payment Protect fee.

What will my loan repayments be?

The size of your repayments depends on how much money you want to borrow and the length of time you choose to pay your loan back. Harmoney’s default payment schedule is monthly, but you can make payments as often as you want, and pay as much as you want, as long as the monthly minimum is met.

When you get your quote (NZ only) or loan terms, you will be assigned an interest rate and a maximum loan amount you’re approved for. You’ll also see what your repayments will be for a 36 or 60 month loan term.



Paying your loan off early

You are welcome to repay your loan earlier than the scheduled loan term without an early repayment penalty.

Check out these articles on how to increase your repayments, make additional payments or pay off your loan in full.

If I pay my loan off early how much interest will I pay?

Interest on your loan is calculated daily and applied monthly.

If you were to repay your loan back earlier there would be no early repayment fees and you would only need to pay the interest up until that day you pay the loan off.

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.

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DEBT CONSOLIDATION

Roll debts into one easy to manage loan with one regular repayment.

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CAR LOANS

Negotiate a great deal with confidence, knowing you have the cash you need.

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EDUCATION LOANS

Focus on your future with an education loan to suit your needs.

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HOLIDAY LOANS

Cover flights, accommodation, insurance, and more - everything to make your trip memorable.

Learn more

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HOME IMPROVEMENTS

Upgrade the kitchen? Landscape the yard? Bring your vision to life.

Learn more

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WEDDING LOANS

Help meet costs for one of the most memorable days of your life.

Learn more

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PERSONAL LOANS

Get the money you need to help you achieve your goals.

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MEDICAL LOANS

Money for medical procedures, covering dental, vision, rehabilitation, and more.

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BUSINESS LOANS

Get the financial help your business needs to continue its growth.

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OTHER LOANS

Fast and flexible loans for the money you need.

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Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 19.99% 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. 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 $350 for loans from $5,000 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.