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PERSONAL LOANS

Start almost anything. Borrow $35,000 unsecured.

Personal loans with fixed interest rates from 9.99% p.a. to 24.99% p.a. (plus an establishment fee of $150)¹.


Won’t affect your credit score

Canstar's most awarded Personal Loan (ever)
CANSTAR 2015 2023 Outstanding Value Personal Loan OL

How can we help you?

Or select another loan purpose

 Apply now

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
Loan limits
3, 5 or 7 years
Loan terms
$150
Establishment fee
$0
Early repayment fee
  • You can get a 3, 5 or 7 year loan term¹
  • Secured fixed rates from 9.89%* p.a to 21.49% p.a.
  • Unsecured fixed rates from 9.99% p.a. to 24.99% p.a.²
  • Establishment fee of $150
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan

* If you take out a secured loan and don’t meet the security conditions within 60 days of the loan advance, the loan will revert to unsecured and the interest rate will change to a higher unsecured interest rate.

Get the loan that works for you

Spend more time living and less time figuring out how to pay for the things you need.

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PERSONALISED RATES

Interest rates are based on your individual credit assessment, not one-size-fits-all.
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GET YOUR MONEY FAST

Most people receive their money within 24 hours of accepting their loan terms.
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100% ONLINE – 24/7

No queues and no need for any awkward face-to-face meetings.

What our customers say

5.0 Loan request and offer has been easy to work through. Staff have been excellent to work with. Quick responses. new zealand
5.0 "I recently had the pleasure of working with Harmoney, and I couldn't be happier with the experience. From the start, their team was professional, knowledgeable, and incredibly helpful, guiding me through every step of the loan application process. They took the time to understand my financial needs and recommended the best options for my situation, making sure I felt comfortable and informed. new zealand
5.0 Harmony team are the best finance that I have met in New Zealand new zealand
5.0 In all the years that I have dealt with Harmoney for various loans etc I have always found the dealings and communications between myself and Harmoney to be swift , polite and always reliable . Harmoney is always my first goto for all my financial needs . Thanks and best wishes to all staff at Harmoney you guys make loans easy. A D Burton. new zealand
5.0 Feeling good about having loan approved! new zealand
5.0 I had reservations about going for a loan but Harmoney was so easy and simple and quick to do online that it was amazing. I'm impressed. new zealand
5.0 Best finance company. Easy to deal with new zealand
5.0 Easy and quick loan process, great customer service. new zealand
5.0 Excellent quick service, love the loan structure!! new zealand
5.0 This is my second time asking Harmoney for financial help and right away they did not hesitate to lend me a hand. They are the best in the country, with their top notch service, easy to understand process and their unbeaten rates new zealand
5.0 The best Finance company ever! Highly recommend!! new zealand
5.0 Fantastic service, clear communication. Third loan with them and still very impressed. They made this process about 3x faster than three other loam companies I tried to work with. new zealand
5.0 Easy and very fast already did a loan with harmoney in the past and their communication and services have been the best new zealand
5.0 I have found harmoney to be very good and fast in getting my loan completed. new zealand
5.0 The best finance company new zealand
4.8/5

4.7 overall rating
4.8 overall rating

Get started with Harmoney today

Thousands of clever Kiwis are switching to Harmoney to achieve their dreams.

We're real people and we're here if you need us

If you need help, just give us a call on 0800 427 666 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.
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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.