Pocketsmith Logo

PocketSmith knows that the presence of timely and accurate financial information can help you meet your obligations and exceed your goals. Their vision is to make financial comprehension and decision making as natural as possible for you.

Exclusive offer for Harmoney account holders:

Reveal PocketSmith's FREE UPGRADE offer when you create a Harmoney account.

Terms and conditions apply.

Still have questions?

Further information on unsecured personal loans can be found on the Community Law website.

The Legal Stuff

* Harmoney's interest rates are offered based on the individual borrower's credit rating according to Harmoney's credit scorecard. To apply for a personal loan through Harmoney, you must be a New Zealand resident aged 18 years or older with a valid New Zealand driver licence or valid New Zealand passport. You must have an acceptable credit record, as determined by Harmoney at its discretion. ** Subject to funding. 99% of loans listed in the marketplace reach full funding within 24 hours (based on loans submitted in FY2017).