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Plunge Pool Finance Made Fast & Simple

GET A QUOTE

Won't affect your credit score.

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    Borrow up to

    $100

    K

    Interest rates from²

    7.99

    %
    p.a.

    Review & Rating
    CANSTAR 2015-2024 Outstanding Value - Personal Loan
    MoneyHub Favourite Online Lender 2025
    Canstar's most awarded Personal Loan (Ever!)

    Why a Plunge Pool is the Smart Backyard Upgrade

    As New Zealand sections become more compact, the plunge pool has become the ultimate "urban oasis." Harmoney provides the flexible funding to turn your Kiwi backyard into a premium retreat.

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    The All-in-One Loan

    Don't just fund the shell. Use your Harmoney loan to cover the pool, decking, fencing, and heating. One loan, one monthly payment, total backyard transformation.

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    No Home Equity Required

    Why wait for a bank valuation? Our unsecured loans mean you don't have to touch your mortgage or wait months for equity release. Get approved today and start digging next week.

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    Perfect for Pre-Cast & Concrete Tanks

    Whether you’re installing a premium pre-cast unit, a concrete water tank conversion, or a custom tiled masterpiece, we provide the cash upfront to secure your delivery slot.

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    Fixed Rates, No Surprises

    Unlike a variable mortgage, our personal loan rates are fixed. You’ll know exactly what your weekly or fortnightly repayments are from day one.

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    Competitive rates

    Redrawing from your mortgage may incur additional fees or higher interest rates, whereas Harmoney offers a competitive fixed interest rate for the life of the loan.

    What we offer

    • Loan amount

      $2,000 - $100,000

    • Interest rate from²

      7.99% - 24.99% p.a.²

    • Establishment fee

      $150

    • Repayment frequency

      Weekly, fortnightly, or monthly

    • Loan type

      Unsecured

    • Loan terms

      3, 5 or 7 years¹

    • Early repayment fee

      $0

    • Rate type

      Fixed rate

    • Lightning FAST funding

      Typically less than 5 minutes

    • Get your money fast

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

    Plunge Pool Repayments Calculator

    Loan Amount

    You can apply to borrow $2000 - $100000

    Loan Term

    Credit history

    Your repayment estimate

    $0.00

    Weekly repayment

    Estimate includes establishment fee of $150.00

    GET A QUOTE

    Won't affect your credit score.

    100% online

    Our AI-driven quote process is 100% online.

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

    Super fast

    Simply tell us about yourself and your finances and accept the terms to get funded in minutes

    Rates tailored to you

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

    How to apply

    01

    Get to know you

    Tell us about the personal loan you want, then provide us with some details about yourself and your finances.

    02

    Get your quote

    We’ll give you a detailed quote with your interest rate, borrowing limit and repayments.

    03

    Get your money

    After accepting the terms and providing some final details, most people receive their money in less than 5 minutes after loan acceptance.

    GET A QUOTE

    Won't affect your credit score.

    Lightning FAST ⚡

    Instant quotes, zero paperwork

    Our AI-driven quote process is 100% online and paperwork-free. Get answers in seconds, so you can keep moving forward.

    $2,000 to $100,000

    Our unique AI will assess your needs and finances to offer you an affordable personal loan that suits your lifestyle.

    Personalised for you in a flash

    Our smart technology tailors your quote instantly – just answer a few questions, and let AI do the rest.

    Lightning fast approvals

    Get a quick quote in minutes and in most cases loans are funded in less than 5 minutes. It’s that easy!

    4.8

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    37,009 Reviews

    4.7

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    2,577 Reviews

    4.7

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    172 Reviews

    Eligibility Criteria

    To get a quote in New Zealand;

    You must be 18 years or older.

    You must be a New Zealand citizen, Permanent Resident or Australian citizen.

    Your credit file must not have any defaults, judgments or bankruptcies.

    You must have paid employment (which may include self-employment).

    You need to borrow at least $2,000 with your loan.

    You need to have photo identification documents such as your valid New Zealand passport or driver’s to licence, to hand.

    If you are not eligible now, you may be in the future.

    Harmoney
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    Harmoney Services Limited (FSP593769) is registered under the Financial Service Providers (Registration and Dispute Resolution) Act 2008.

     

    By using this website, you are deemed to accept our Customer Service Terms.  

    Location
     

    Level 3, 110 Customs Street West, Auckland CBD, Auckland 1010

     
    Contact

    customerservice@harmoney.co.nz

    0800 427 666 (0800 HARMONEY)

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    Terms and conditions

     

    1. Loan terms subject to availability.

     

    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.

     

    2. You are protected by responsible lending laws. Because of these protections, the recommendations given to you about personal loans are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.


    Copyright © 2026. All rights reserved.

     

    This website is provided for general information purposes only, and does not take your individual circumstances and financial situation into account. It is not intended to constitute legal or financial advice.