Eligibility and Application

Applying for a personal loan can be a big step, and the first question many people have is whether they are eligible.

Applying for a personal loan can be a big step, and the first question many people have is whether they are eligible. At Harmoney, we've made our eligibility criteria clear and straightforward, so you can quickly find out if a personal loan is a viable option for you.

Your Harmoney loan is approved—what's next? Learn the simple steps to sign your agreement, get your funds, and manage your repayments with our 100% online process.

Get fast funding with Harmoney. After approval and signing, your loan is typically funded within 24 hours, and you can expect the money in your bank account within 1-3 business days.

Get your Harmoney personal loan approved fast. Our 100% online process provides an instant quote and most loans are approved and funded within 24 hours.

Applying for an unsecured personal loan can be a straightforward process, especially when you know what to expect.

Find out what documents you need to provide when applying for a personal loan with Harmoney in New Zealand. Our 100% online process is fast and requires minimal paperwork.

Are you self-employed or do you have an irregular income? Learn how Harmoney assesses personal loan applications in New Zealand, focusing on financial stability, not just a fixed salary.