New Zealand

In NZ, Harmoney charges borrowers an upfront, one-off Establishment Fee. This is added to the approved loan amount and interest is charged on the total loan amount. This Establishment Fee also applies to Top Up.

New Zealand borrowers who choose to take Payment Protect cover with their loan will also pay a Payment Protect fee, which is also added to the total cost of the loan and included in their scheduled repayments.

Other fees will be charged only if applicable in the case of dishonour fees, overdue fees and legal fees.

Australia

In Australia, Harmoney charges borrowers an upfront, one-off Platform Fee . This is added to the approved loan amount and interest is charged on the total loan amount. This Platform Fee also applies to Top Up.

Other fees will be charged only if applicable in the case of dishonour fees and legal fees.

Yes, you are able to withdraw/cancel your loan without penalty for up to 7 business days if you have changed your mind, or no longer require the funds. You will have to return the funds disbursed to you if you do this, including interest from the date your received the funds to the date your return the funds. Fees and reasonable expenses incurred may also be charged.

You must give notice that you intend to cancel the contract within 7 working days. Saturdays, Sundays, and national public holidays are not counted as working days. You must also, within the same time, return to Harmoney any advance received by you under the contract.

New Zealand

Manual payments can be made into Harmoney's bank account via direct credit:

Australia

Manual payments can be made into Harmoney's bank account via BPAY: