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Terms and conditions

Subject to approval. Harmoney’s interest rates range 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.

Example loan. For a Harmoney Personal Loan of $20,000 borrowed for 36 months with a fixed interest rate of 9.99% p.a. the total amount you would need to repay would be $22,728 (made up of $20,000 principal, interest of $2,578 and a $150 establishment fee).

You are protected by responsible lending laws. Because of these protections, the recommendations given to you about personal loans are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.