Refinance loans
Clean up your bills and start fresh.
Fixed personalised 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!)
We know your financial needs can change
That’s why we’re here to help you get the loan terms you want.
TAKE CONTROL
Change your finances to suit your circumstances. A good credit history may mean a better interest rate and more money in the hand.
GET DEBT-FREE SOONER
Making a plan to reduce debt is a big step towards financial freedom. Whether you're saving on interest or increasing repayments, every bit counts.
NO EARLY REPAYMENT FEES
Choose your repayment frequency and there's no penalty fees if you pay back early. Plus, you can borrow up to $70,000 unsecured.
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.
PERSONALISED RATES
Interest rates are based on your individual credit assessment, not one-size-fits-all.
YOU CALL THE SHOTS
Choose from 3, 5 or 7 year terms. And there are no early repayment fees should you decide to repay the loan sooner.
100% ONLINE – 24/7
No queues and no need for any awkward face-to-face meetings.
What our customers say
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 us on 0800 427 666 (Mon. - Fri 9am - 6pm) or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.
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.