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Personal loans

Simple 100% online process

No queues or awkward face-to-face meetings


Won't affect your credit score

Canstar winner 5 years in a row
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Getting a Harmoney loan

Getting a Harmoney loan is a simple, fast, and is done entirely online in a few minutes.

step 1
1. Create an account

We ask you to create an account upfront, so we can keep the information we need to give you a personalised rate safe. It’s super easy and secure. You can quickly and easily create your account by signing up with your Google (or Facebook) account or you can use your email address.

application process step 2
2. Tell us about you and your loan

The first step is for us to get to know you and understand how a Harmoney loan will help you.

We will need to verify your identity, so you will need to have your NZ drivers license or passport details handy, along with your online banking details.

We will also access your credit information at this point, but this won't affect your credit score.

application process step 3
3. Share your financial details

Next, we need a clear understanding of your income. By allowing us to view your bank accounts we can get an up-to-date snapshot of your finances straight away.

Using secure bank-grade technology we access a read-only view of your bank statements for the past 90 days. With a clear picture of your finances we can then estimate your income.

application process step 5
5. Turn your quote into a loan

If you choose to proceed with a loan it will be based on the terms as they appear in your quote. You will just need to complete a couple more short steps.

application process step 4
4. Get your quote

We will now take all the information you have provided us with and work out your loan quote.

Your quote will include how much you can afford to borrow, your guaranteed interest rate and will show you what your repayments would be like over a 3- or a 5-year term. You will also see what your repayment amounts would be if you choose to pay weekly or monthly.

application process step 6
6. Get your money

Once you have read and accepted your loan terms, you should get your money in 1-3 working days (most borrowers get their money within 24 hours).

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 live chat and one of our more than 30 specialists will be there to lend a hand.

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Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 24.69% 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 $450 for loans from $5,000 to $50,000. Fixed rates range from 6.99% p.a. to 24.69% p.a. on 36 to 60 month terms, with no early repayment penalties.