ONLINE PERSONAL LOANs
Start almost anything. Online personal loans.
Borrow up to $70,000 unsecured. Online personal loans with fixed interest rates from 9.99% p.a. to 24.99% p.a.(plus an establishment fee of $150).¹
Won’t affect your credit score
Canstar's most awarded Personal Loan (Ever!)
How can we help?
Or select another loan purpose
100% online application
1. Get to know you
Tell us how much you need to borrow and give us a little information on your finances and yourself.
2. Get your quote
You’ll receive a personalised quote containing your repayments, interest rate and loan limit.
3. Get your money
Once you’ve accepted your quote and sent through some extra information your loan should be fully funded within 24 hours.
What our customers say
Language was easy to understand and pleased that there was an opportunity to "give more details" as to why the loan was needed.
Overall, a great experience.
Nga mihi nui new zealand
customer. new zealand
Quick personal loan estimate
Get a quick estimate of the rates and repayments on your personal loan with our online loan calculator.
What we offer
$2K - $70K
Loan limits
3, 5 or 7 years
Loan terms
$150
Establishment fee
$0
Early repayment fee
- You can get a 3, 5 or 7 year loan term¹
- Unsecured fixed rates from 9.99% p.a. to 24.99% p.a.²
- Establishment fee of $150
- You can repay weekly, fortnightly or monthly
- Your rate is fixed for the life of the loan
Fair and simple personal loans
If access to money is holding you back, we’re here to help.
MORE THAN A LOAN
Get help with any aspect of your loan at any time by contacting our friendly support staff.
PERSONALISED RATES
We’ll calculate a tailored interest rate for you based on your personal finances.
SIMPLIFIED BORROWING
Our simple fee structure and fixed personal interest rates make financing your dreams straightforward and easy to understand.
Common personal loan questions
View moreIs a personal loan good for paying off credit card debt?
An online loan in the form of a debt consolidation loan can be an effective way to pay off credit card debt and other debts, but it’s not suitable for everyone.
Why use a personal loan instead of extending my mortgage?
These days, low interest rates for mortgages can make it tempting to increase a mortgage with extra debt to save you interest fees. It’s an option that’s worth considering if you have equity, but it can sometimes end up being more costly in the long run.
We’ve written about the pros and cons of extending your mortgage, to help you make an informed decision about managing debt:
What can I use a personal loan for?
Harmoney online loans are very flexible and can be used to finance almost anything you want to.
Debt consolidation, home improvements and renovations and car finance are popular reasons why people apply for a personal loan. We also offer wedding loans, education loans and personal loans for medical expenses, household items, travel and holidays and more.
If money and finances are holding you back from achieving the things you want in life, talk to us about how a personal loan could help.
Will I qualify for a Harmoney loan?
To apply for a personal loan in New Zealand:
You must be 18 years or older
You must be a New Zealand citizen or Permanent Resident
You must have full-time or permanent part-time employment.
You need to have photo identification documents such as your valid New Zealand passport or valid New Zealand driver’s licence handy
Your credit file must not have any active defaults, judgments or bankruptcies recorded
You need to borrow at least $2,000 with your loan
To apply for a personal loan in Australia:
You must be 18 years or older
You must be an Australian citizen, Permanent Resident or New Zealand citizen
You must have full-time or permanent part-time employment.
You need to have photo identification documents such as your valid Australian passport or valid Australian driver’s licence hand
Your credit file must not have any active defaults, judgments or bankruptcies recorded
You need to borrow at least $2,000 with your loan
When you apply or request a quote for an online loan, we need to know a little about your needs and your finances. We’ll also make some enquiries to help us verify your information. Using this information, we’ll assess your eligibility to receive credit and your capacity to service a loan.
If you qualify for a loan, we’ll provide you with your personal interest rate and the maximum amount you can borrow. There are times when we may not be able to offer a loan, such as if your recent credit history is unsuitable or there is insufficient capacity to service a loan.
What happens if a borrower’s circumstances change?
We know that things don’t always go as intended, despite careful planning. If changes in your circumstances are making you concerned about your financial situation, our customer service team is here to help as best we can.
Our number one piece of advice – don’t ignore the problem, get in touch as soon as possible so we can discuss your options and work through them together. We can also help if you are faced with unforeseen financial hardship.
NZ:
0800 427 666 (0800 Harmoney)
7 days: 9am–6pm.
[email protected]
AU
7 days: 9am - 6pm
[email protected]
Will a personal loan help you?
Join the thousands of New Zealanders who have achieved their goals with the help of a Harmoney loan.
About personal loans
Accessing money to help you achieve your goals sooner.
Personal loans allow you to borrow money for a specific purpose, whether it’s to buy a car, renovate your house or pay for your education. A personal loan can pave the way for you to achieve your goals while cutting down on your waiting time.
Costs associated with personal loans include interest and fees, which the loan provider uses to make money. Interest varies based on a number of factors including the borrower’s personal history, market rates and interest type – either fixed or variable. Fees, meanwhile, are charged to cover administration costs.
At Harmoney, our goal is to help borrowers take advantage of life’s opportunities by funding their endeavours in a friendly, fair and accessible way. Since 2014, we have sought to provide an excellent customer experience that helps you every step of the way.
Loan purposes
There are many different reasons to take out a personal loan, and we will have a specialised option to suit your purpose. Some of our popular loan types include debt consolidation, car loans, home renovation loans and business loans. We also offer loans for travel and holidays, weddings, medical expenses and more.
If you’re ready to make your dreams come to, talk to us about your loan needs.
Comparing a personal loan to other loan products
There are other money borrowing options beyond personal loans including credit cards, hire purchase (HP), store cards and buy-now-pay-later options like Afterpay, Zippay and LayBuy.
When deciding which loan product is right for you it’s important to consider the following factors.
Loan amount
The amount you need to borrow will help determine the type of loan product best suited to you.
For smaller purchases, store cards and buy-now-pay-later services are most suitable.
For larger purchases personal loans, credit cards and HP borrowing limits are more appropriate. Harmoney personal loans range from $2,000 to $70,000making them a flexible option and suited to various sized purchases or projects.
Interest rates and fees
Loan providers charge different interest rates and fees, but it’s important to know what you’ll have to pay back before you accept any loan offer.
To make things easier for, Harmoney displays all its interest rates and fees clearly on our website. This helps you make an informed decision about whether you want a loan and how much you can afford in repayments.
Our fees are also easy to understand. So long as you make all your repayments on time, you’ll only ever have one start-up fee. You can even pay back your loan without any extra charge.
This isn’t the same for every loan provider though, so be sure to check all the fine print before you sign on the dotted line...
Loan term
The ‘loan term’ refers to how long you’ll be making repayments on your loan. With Harmoney, you have the option for a three-year or a five-year loan. Whichever option you take, so long as you make all your repayments on time, you know exactly when you’ll be debt free.
If you want, you can off your loan early and there are no fees for doing so. You may be able to do this by paying a little bit extra with every repayment or by making a lump sum when you have spare cash.
In most cases, a shorter-term loan will have higher monthly repayments but you’ll pay less overall in interest.
Why people use personal loans
Personal loans can be used to cover just about any expense you have. The benefit of a personal loan compared to other consumer credit products such as credit cards is that there is no mystery. With a Harmoney personal loan the interest, repayments and loan term are laid out for you to approve before signing up for the loan.
Harmoney personal loans also allow for fee-free early repayments which can save you money on interest. Your loan term may be 3 or 5 years, but you can pay the loan off in 1 or 2 years if you want to, allowing flexibility and control of your loan.
Downsides of traditional personal loans
Traditional loans can be difficult to arrange, with face-to-face meetings required at times that may not suit. On top of that, you may have to take time off work to attend the appointment, which not everyone can afford to do.
At Harmoney, we’ve made the process simpler. All of our loans – whether that’s for a new car, a new business or something else – can be applied for at any time of the day, on any day of the week, from wherever you are. Our online applications make loans easier.
Learn more about personal loans
CAR LOANS
Time to upgrade your car? Get the cash you need to get back on the road with a Harmoney car loan.
DEBT CONSOLIDATION
Replace all your debts with one simple monthly payment with a debt consolidation loan.
EDUCATION LOANS
Between accommodation, textbooks, fees and living expenses, studying can be an expensive business. Take the pressure off with a Harmoney education costs loan.
HOLIDAY LOANS
Ready for a getaway but short on cash? Cover the cost of your next holiday with a holiday loan.
BUSINESS LOAN
Need help with cashflow? Get a quick cash injection with an online business loan.
MEDICAL LOANS
Do you have unexpected medical bills? An online medical loan from Harmoney can help.
RENOVATION LOANS
Whether you need to fix a crumbling wall or create your dream kitchen a renovation loan can cover all your home improvement needs.
WEDDING LOANS
Your wedding should be a day to remember – for the right reasons. Plan your perfect day with a Harmoney wedding loan.
We're real people and we're here if you need us
If you need help, just give us a call us on 0800 427 666 (Mon. - Fri 9am - 6pm) or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.
Terms and conditions
1.Loan terms subject to availability.
2. Subject to approval. Harmoney’s interest rates 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.