Harmoney ranks in Top 10
2023 AFR Most Innovative Awards
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Start almost anything
Customers (and counting!)
No queues and no need for awkward face-to-face meetings.
✅ 100% online
Accept your loan terms and provide some final details. Most loans are fully funded in less than 5 minutes.
✅ Super fast
Interest rates are based on your individual credit assessment - not one-size-fits-all.
✅ Rates tailored to you
What we offer
Loan amount
$2,000 - $100,000
Early repayment fee
$0
Interest rate from²
5.76% - 24.03% p.a.
Loan terms
3, 5 or 7 years
Comparison rate from³
5.76% - 24.03% p.a.
Rate type
Fixed rate
Establishment fee⁴
No Est. Fee till June 30
Lightning FAST funding
Typically less than 5 minutes
Repayment frequency
Weekly, fortnightly, or monthly
Loan type
Unsecured
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.
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
37,009 Reviews
4.7
173 Reviews
4.7
2,616 Reviews
How customers rate us
4.8 out of 5 stars - based on 39,798 reviews
Salman Q.
Last Sunday
Very simple process
Jason R.
Last Week
Allways easy to complete loan application ...great service
Ivan P.
Last Week
Outstanding service at all stages of a loan, always very fast and efficient - from loan application to closing/paying it off. The team at Harmoney is amazing, thank you!
What our customers say
Eligibility criteria:
✅ You must be 18 years or older.
✅ You must be an Australian citizen, Permanent Resident or New Zealand citizen.
✅ You must have paid employment (which may include self-employment).
✅ You need to have photo identification documents such as your valid Australian passport or valid Australian driver’s to licence hand.
✅ Your credit file must not have any defaults, judgments or bankruptcies recorded.
✅ You need to borrow at least $2,000 with your loan.
If you are not eligible now, you may be in the future.