BORROW MORE

At some point, you may need more money to meet your goals. To help finish a project you've started, or to get going on something new. If you have plans, a Harmoney Top Up may be just what you need to bring it to life.

Experience the convenience of Harmoney Multi Loan, where you could qualify for a second loan alongside your current one.

Our lightning-fast application process makes it easy to apply for a new loan while maintaining your existing one. Customers with an excellent record of on-time repayments are eligible for this multi-loan option. Plus, getting a quote won't affect your credit score!

• $2K - $100K
• You can repay weekly, fortnightly or monthly
• 3, 5 or 7 year loan terms¹
• Know exactly what you’re paying for. No hidden costs. No balloon payments. No surprises.

Did you accept only a portion of your loan application’s full approval sum? No worries! Collect the rest!

With our Express PreApproval, you could access the remainder in minutes. But hurry—the Express PreApproval option is available for only 59 days after we last accessed your bank statements.

To check if you’re eligible for Express PreApproval, simply log in to your account and unlock more funds today, all without needing to complete another application.

• No new loan application required

• No fees

• Minimum borrowing amount: $2,000.

Borrow additional money

• With Harmoney Top Up, you could apply to borrow additional funds.⁴ It is a feature offered to customers who, having demonstrated an excellent track record of on-time repayments, may be eligible to apply to borrow money additional to their existing loan.

Borrow additional money

• Express PreApproval gives eligible customers access to the remainder of their full approval sum, within 59 days since we last accessed your bank statements.
• Accessing this available limit unutilised sum will create a second loan, which can be managed independently from your initial loan.
• Your available limit is the difference between your maximum eligible credit and the amount you have already borrowed.
• Access these extra funds effortlessly, with no additional establishment fees and without reapplying for a loan.
• Note: only one withdrawal from your 'Available Limit' is permitted.

How do I become eligible?

• We review your situation regularly to see how you're going with your loan, and after six months, we'll assess your eligibility to apply for a Top Up. If you're eligible, we'll notify you by email and an banner messaging will appear on your borrower dashboard.

How do I become eligible?

• This offer is available to customers approved for a personal loan or debt consolidation. Please note that customers in arrears or experiencing hardship are not eligible.
• The option to access your available limit is valid for 59 days after we last accessed your bank statements. To check your eligibility, simply sign in to your account.

What can you use this for?

• All worthwhile loan purposes

What can you use this for?

• Available Limit can be used for any personal loan purpose (except for debt consolidation): Home renovation, New or Used vehicles, Holiday, Household items, Medical, Wedding, Education, Growing my business, Legal fees, Caravan, Tech, Funeral, Tax bill, Boat.

How Much Can I Access?

• We offer personalised low rate loans from $2,000 to $100,000.

How Much Can I Access?

• The amount you can access depends on your individual approval sum. You can accept up to 100% of your approved loan amount, with a minimum access limit of $2,000.

Will I need to re-start my application from the beginning?

• In case your circumstances have changed, we ask you to go through the finances part of our application process again. Then we will let you know if you have been approved for a change to your interest rate and borrowing limit.

Will I need to re-start my application from the beginning?

• No

Fees:

• Establishment fee of $275 for loans under $5,000 ⁴
• Establishment fee of $575 for loans $5,000 and over ⁴

Fees

• No