Borrow up to
$100
K
Interest rates from²
7.99
%
p.a.
Canstar's most awarded Personal Loan (Ever!)
Planning a new kitchen or living room?
Our easy online renovation loan can help you get started—fast, simple, and stress-free.
Keep your equity in your home
By opting for a personal loan from Harmoney, you retain the equity in your home, ensuring your loan-to-value ratio (LVR) stake remains intact. Plus; Harmoney doesn’t require security on our unsecured personal loans, unlike a mortgage.
Lighting fast money in minutes
Our 100% online quote engine is super quick compared to mortgage redraws, allowing you to access funds for time-sensitive home improvement projects.
Plus, getting a quote won’t impact your credit score.
Hassle Free and No Paperwork (ever!)
Harmoney doesn’t require paperwork, especially quotes from the builder. Skip the hassle of providing tradesman quotes to your mortgage provider and start accessing funds fast to start living in the home you dream.
Flexible repayment schedules
We offer flexible repayment terms, tailored to your specific home improvement needs, without affecting your mortgage terms. Choose weekly, fortnightly or monthly repayments that fit your life.
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
Loan terms
3, 5 or 7 years¹
Interest rate from²
7.99% - 24.99% p.a.²
Early repayment fee
$0
Establishment fee
$150
Rate type
Fixed rate
Repayment frequency
Weekly, fortnightly, or monthly
Lightning FAST funding
Typically less than 5 minutes
Loan type
Unsecured
Get your money fast
No queues and no need for awkward face to face meetings.
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.
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!
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.