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Personal loans Personal Loans $5,000


Start almost anything. Borrow $5,000 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 2022 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

Establishment fee

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

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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 Quick and easy process and very friend and helpful staff new zealand
5.0 Harmoney team is amazing and very helpful when needed for my family financials matters, thank you so much Harmoney Team and am fully recommended to friends & family's. new zealand
5.0 Thank you so much Harmoney for the fast approval to consolidate my debts.. I will definitely recommend you to my friends. new zealand
5.0 Great thanks again Harmoney, would highly recommend to friends who are in need with less hassle. new zealand
5.0 Love the service and very friendly staff. Would recommend your service to my family and close friends. new zealand
5.0 Excellent advice and services, easy process. I will recommend to my friends. new zealand
5.0 I'm just relieved the loan has gone through, it will be helping my life changing surgery new zealand
5.0 Fast and efficient, I needed some finance urgently and Harmoney came through, they said 3 working days, it was approved day after I applied, have recommended to friends and families, tick all the boxes, thank you. new zealand
5.0 Amazed at how quickly I was able to get a loan, it was such a relief after having unexpected dental and medical expenses in the same month. new zealand
5.0 Great service with a fast response to my financial application. I will definitely recommend Harmoney to friends and family new zealand
5.0 Always efficient, and highly professional. Very clear with details. I would share with my friends that this is a great financial company to borrow loans from. new zealand
5.0 The people that have communicated with me both by email and phone have all been wonderful, very friendly and very helpful, fast and efficient. I will be definitely recommending to friend and family if looking for a personal loan. new zealand
5.0 Great experience....will help you just like best friends new zealand
5.0 Great service, efficient and very friendly. the whole process only took 3 days from applying to getting approved. We would easily recommend Harmoney to all our friends and family. , new zealand

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.