Hassle-free loans

Harmoney parntering with Zones

Hassle-free loans

Getting some work done around the house? Don't put up with your bank micro-managing your finances while you do. A Home Improvements loan through Harmoney could give you ALL the money you need straight away, without the need for quotes from tradies first.

100% online
No quotes or valuations required
Rates 6.99% p.a.* - 29.99% p.a.*

Hassle-free landscaping

Zones are specialists at designing, building and landscaping outdoor living spaces. Most landscapers and tradespeople focus on one or two specialist areas, such as concreting, paving or planting. At Zones we provide a total solution across all trades to deliver a hassle free project on time and to your budget.

As landscaping specialists, Zones aim to enhance the things you love to do outside. Whether it’s cooking or eating outside with friends and family, playing backyard cricket with the kids, reading a book in the sun, or pottering around the garden, we can design and build a landscape to suit.

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Harmoney and Zones - easy finance and hassle-free landscaping

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Nationwide Landscaping Specialists

Zones are a one stop shop. Our services start with a no obligation on site consultation. If both parties agree, then we will provide a design to fit your budget. When the design is complete Zones will then organize and project manage the entire landscape process, from turning the first sod to hosing down the driveway.

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Delivering great landscaping projects

Zones have experienced project managers that know how to deliver landscaping projects. We start with best practice processes and systems to enable efficiency and control costs. We aim to have zero harm on every project to all people and follow strict health and safety practices. If needed, we will manage the local council compliance needs across all trades and people involved.

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Landscaping funded by Kiwis

Harmoney is New Zealand's largest lending marketplace. Our marketplace matches people who want to borrow money, with those who want to lend money. It's people lending to people.


Landscaping loans, personalised to you

You're an individual, and at Harmoney we treat you like one. To list a personal loan in the marketplace, Borrowers complete a 100% online application via Harmoney (click here to learn more). As we facilitate responsible lending, we run a bespoke credit screening on all applications, and assign those who get approved with a personalised interest rate based on their personal circumstances.

Apply for up to $70K, and you could be breaking out the tools in just a few days.

100% online
No quotes or valuations required
Up to $70K unsecured
99% funded in 24 hrs

Why get your home improvements through Harmoney?


No quotes or valuations

Unlike other big financial institutions, we don't expect builders' quotes or regular progress valuation.


Rates from 6.99% p.a.* to 29.99% p.a.*

You're unique, so is your interest rate. It's customised to your circumstances, not everyone else's.


Up to $70K, unsecured.

No ball and chain here, just easy repayments you can afford. No hidden or early repayment fees either.

Quick Estimate

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*Subject to approval and funding. Harmoney’s interest rates range from 6.99% p.a. to 29.99% p.a. and are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and submit your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Establishment fee of $200 for loans below $5,000 and $450 for loans $5,000 and above. Some charges may apply — see Rates and Fees for details.

Get Started

Getting a home improvement loan funded by Lenders on Harmoney’s peer-to-peer lending marketplace is easy. If you’re looking to do some home renovations but don’t want to borrow against your home equity, a Harmoney home improvement loan could be an ideal alternative. With no equity reversal, our unsecured loans mean you won’t have to put your house on the line.

Home Improvement Loan Calculator

Try out our loan calculator to start your obligation-free, online loan application, and to get an indication of how much your repayments could be. With personalised, risk-based interest rates ranging from 6.99% p.a.* to 29.99% p.a.*, and no early repayment penalties, there’s never been a better time to get started on that home improvement project.

Tackle your DIY with up to $70K

Whether upgrading the kitchen, adding another bedroom or maybe extending the garage, a home improvement loan through Harmoney could save you time and money. Apply for up to $70K, and you could be breaking out the tools in just a few days – or get someone else to.

Peer-to-peer Lending

Peer-to-peer lending is the revolutionary new way to borrow money. Harmoney has introduced this global phenomenon to New Zealand by connecting Borrowers and Lenders through our online marketplace, helping Kiwis enjoy a better experience, using our automated, 100% online process. Find out more about P2P lending.

What is Harmoney?

Harmoney is NZ’s first licensed peer-to-peer lending marketplace that connects people who want to borrow money with those who wish to lend money. Our marketplace provides a simple way to get a personal loan, online.

Personal Loans with Harmoney - New Zealand from Harmoney on YouTube.

Still have questions?

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