FAQs
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FAQs
My application
View moreNew Zealand
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.
New Zealand
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:
Loan Accepted Before 31st July 2021 | Loan Accepted After 31st July 2021 |
Bank: ASB Bank Account number: 12-3109-0056095-03 Reference: (your LAI number) | Bank: ASB Bank Account number: 12-3109-0159350-03 Reference: (your LAI number) |
Australia
Manual payments can be made into Harmoney's bank account via BPAY:
Loan Accepted Before 31st July 2021 | Loan Accepted After 31st July 2021 |
Biller code: 112177 BPay reference: (your LAI number) | Biller code: 311423 BPay reference: (your LAI number) |
My loan
View moreNew Zealand
You are welcome to make additional repayments at any time. You can do this by making a manual payment to Harmoney (see below).
You may also repay your loan in full at any time, and there is no early repayment fee. Please contact us if you wish to confirm your outstanding balance.
New Zealand
Manual payments can be made into Harmoney's bank account via direct credit:
Bank: ASB Bank Account number: 12-3109-0159350-03 Payee Name: Harmoney Collections Trust Reference: (your LAI number) |
Australia
Manual payments can be made into Harmoney's bank account via BPAY:
Loan Accepted Before 31st July 2021 | Loan Accepted After 31st July 2021 |
Biller code: 112177 BPay reference: (your LAI number) | If your contract begins with: BPay reference: (your LAI number)
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