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PERSONAL LOANS

Personal loans Debt consolidation Home improvements Wedding loans Car loans
Holiday loans Education loans Business loans Medical expenses


KEY INFORMATION

Interest rates and fees Top up FAQs


TOOLS AND RESOURCES

Personal loans calculator Blog


COMPANY

Contact us About us Leadership Team Directors Investor centre Careers Press
releases

 * Help centre
 * Talk to us


PERSONAL LOANS


PERSONAL LOANS TO START ALMOST ANYTHING.



Apply now Get a quote
Won’t affect your credit score

CANSTAR'S MOST AWARDED PERSONAL LOAN (EVER!)


WHAT OUR CUSTOMERS SAY

5.0 2023-06-01 Julie Always my go to for loans. Excellent customer service new
zealand
Always my go to for loans. Excellent customer service
5.0 2023-05-18 Mele Very fast service, helpful alot especially when you are
urgently struggle need help! Harmoney Finance is the best finance to help you!
Highly recommended. Thank you for your help! Means alot to me new zealand
Very fast service, helpful alot especially when you are urgently struggle need
help! Harmoney Finance is the best finance to help you! Highly recommended.
Thank you for your help! Means alot to me
5.0 2023-04-27 Tangiwai I have always enjoyed applying for a loan with Harmony.
I will continue because i know i will always receive excellent support from the
Harmony team new zealand
I have always enjoyed applying for a loan with Harmony. I will continue because
i know i will always receive excellent support from the Harmony team
5.0 2023-04-25 Saher Great Customer Service by Levi, got my loan approved in
couple of hours. Highly recommend new zealand
Great Customer Service by Levi, got my loan approved in couple of hours. Highly
recommend
5.0 2023-04-22 Kevin Great Refinance Interest Rate new zealand
Great Refinance Interest Rate
5.0 2023-02-21 James Very simple and good personal service new zealand
Very simple and good personal service
5.0 2023-02-07 Charlito Awesome I couldnt even think how fast harmoney approved
my loan new zealand
Awesome I couldnt even think how fast harmoney approved my loan
5.0 2023-01-17 Rochelle Always easy, prompt, efficient and a pleasure to deal
with, have borrowed on a number of occasions, prefer to only use Harmony for all
my finance requirements,thank you so much team,you are awesome new zealand
Always easy, prompt, efficient and a pleasure to deal with, have borrowed on a
number of occasions, prefer to only use Harmony for all my finance
requirements,thank you so much team,you are awesome
5.0 2023-01-14 Penina Very fast with processing the loan and customer service is
excellent. Thank you new zealand
Very fast with processing the loan and customer service is excellent. Thank you
5.0 2022-11-23 John Justine Mario was great. I would applaud her for being part
of the harmoney team. I felt really comfortable on discussing my loan
application and she explained to me the terms which was very clear and
understandable. Very quick and good customer service! new zealand
Justine Mario was great. I would applaud her for being part of the harmoney
team. I felt really comfortable on discussing my loan application and she
explained to me the terms which was very clear and understandable. Very quick
and good customer service!
5.0 2022-10-27 David thank you HARMONEY for being there for me doing this loan
through online and also over the phone great help thanx again. new zealand
thank you HARMONEY for being there for me doing this loan through online and
also over the phone great help thanx again.
5.0 2022-10-21 Andrea Fast and good communication. Thank you for approving my
loan. new zealand
Fast and good communication. Thank you for approving my loan.
5.0 2022-09-22 James Yous are the best loan people ever so il will be dealing
with you guys until ever ..thank finally I can marry to my soulmate thanks to
you guys appreciate it ..James kirisome new zealand
Yous are the best loan people ever so il will be dealing with you guys until
ever ..thank finally I can marry to my soulmate thanks to you guys appreciate it
..James kirisome
5.0 2022-09-10 Viliami Always efficient, and highly professional. Very clear
with details. I would share with my friends that this is a great financial
company to borrow loans from. new zealand
Always efficient, and highly professional. Very clear with details. I would
share with my friends that this is a great financial company to borrow loans
from.
5.0 2022-09-07 Nalini Thank you all whoever has approved my loan, highly
appreciated. My loans was approved just in about an hour. Great help. Thanks
again all.. new zealand
Thank you all whoever has approved my loan, highly appreciated. My loans was
approved just in about an hour. Great help. Thanks again all..



SIMPLE, 100% ONLINE

1. GET TO KNOW YOU

Tell us about your loan and provide us some details about yourself and your
finances.

2. GET YOUR QUOTE

We provide you with your loan terms, your interest rate, borrowing limit, and
repayments.

3. GET YOUR MONEY

Accept your loan terms and provide some final details. Most loans are fully
funded within 24 hours.

IF YOU TOOK OUT A LOAN WITH US BEFORE 26 AUGUST 2021, YOU MAY BE ELIGIBLE FOR A
PAYMENT UNDER THE BORROWER ESTABLISHMENT FEE REBATE.

Get more information


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
 * Secured fixed rates from 7.89%* p.a to 20.49% p.a.
 * Unsecured fixed rates from 7.99% p.a. to 23.99% p.a.²
 * Establishment fee of $150
 * 
 * You can repay weekly, fortnightly or monthly
 * Your rate is fixed for the life of the loan

Find out more about our interest rates and fees

* If you take out a secured loan and don’t meet the security conditions within
60 days of the loan advance, the loan will revert to unsecured and the interest
rate will change to a higher unsecured interest rate.

GET A QUICK ESTIMATE

Get a quick idea of your interest rate and your repayments using our personal
loan calculator.

Personal loan calculator


GET THE LOAN THAT WORKS FOR YOU

Spend more time living and less time figuring out how to pay for what you need.

GET YOUR MONEY FAST

No queues and no need for awkward face to face meetings.

YOU'RE UNIQUE. SO IS YOUR RATE

Interest rates are based on your individual credit assessment - not
one-size-fits-all.

100% ONLINE - 24/7

Once your loan is approved the money will be in your account in 1-3 business
days.

Apply now


TYPES OF PERSONAL LOANS

Help for almost anything you need.

CAR LOANS

Got your eye on that new or used vehicle? Our auto loan can help get you out on
the road.

Find out more

EDUCATION

Worrying about paying for education is no help when you are trying to study.
Reduce stress by covering expenses with an education loan.

Find out more

DEBT CONSOLIDATION

A debt consolidation loan can replace your old debts with a single repayment
designed for your personal circumstances.

Find out more

HOLIDAY LOANS

Create memories with the trip of a lifetime. Visit family, a favourite travel
destination, or somewhere you've always wanted to go.

Find out more

BUSINESS LOANS

Whether you own a business or are starting a new one, a personalised business
loan may help you kickstart your growth.

Find out more

MEDICAL LOANS

A medical loan can take away the stress and worry of hospital expenses and allow
you to solely focus on your health.

Find out more

WEDDING LOANS

A wedding loan can help you achieve exactly what you have in mind for that
special day.

Find out more

HOME RENOVATION

A home improvement loan could help you achieve the living spaces that you have
dreamed of having.

Find out more


WE'RE REAL PEOPLE AND WE'RE HERE IF YOU NEED US

If you need help, just give us a call on 0800 427 666 or jump on to online chat
and one of our more than 30 specialists will be there to lend a hand.

Chat with usOther ways to contact usVisit our help centre

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.

PERSONAL LOANS

 * Personal loans
 * Debt consolidation
 * Home improvements
 * Wedding loans
 * Car loans
 * Holiday loans
 * Education loans
 * Medical expenses
 * Business loans
 * Top Up
 * Payment Protect
 * Interest rates and fees

TOOLS AND RESOURCES

 * Personal loans calculator
 * Help centre

COMPANY

 * About us
 * Management team
 * Directors
 * Press releases
 * Investor centre
 * Careers
 * Contact Us

LENDERS

 * Glossary
 * Changes to lending
 * Interest rates and fees
 * Investment risks
 * Our collections process
 * Auto withdraw
 * Payment Protect
 * Historical annual default rates
 * Scorecard 1.6
 * FATCA obligations
 * RAR calculation FAQs
 * Tax returns
 * FAQs

LEGAL

 * All terms
 * Customer service terms
 * Privacy policy
 * Loan Contract (standard contract terms)
 * Disclosure statement
 * Unforeseen financial hardship
 * Cancellation provision

Harmoney Corp Limited (FSP368046) is licensed to provide a peer to peer lending
service under Part 6 of the Financial Markets Conduct Act 2013. The conditions
of the licence imposed by the Financial Markets Authority are published on
www.business.govt.nz/fsp.

Harmoney Services Limited (FSP593769) is an authorised body under Harmoney Corp
Limited’s licence, and is registered under the Financial Service Providers
(Registration and Dispute Resolution) Act 2008.

(Please note that Harmoney Limited (FSP373486), Harmoney Investor Trustee
Limited (FSP396666), Harmoney Warehouse Limited (FSP617189) and Harmoney Nominee
Limited (FSP590148) are being amalgamated with Harmoney Services Limited
continuing as the amalgamated company.)

TERMS AND CONDITIONS


Subject to approval. Harmoney’s interest rates range 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.


Example loan. A Harmoney Personal Loan of $20,000 borrowed for 36 months with a
fixed unsecured interest rate of 7.99% p.a. the total amount you would need to
repay would be $22,728 (made up of $20,000 principal, interest of $2,578 and a
$150 establishment fee).


You are protected by responsible lending laws. Because of these protections, the
recommendations given to you about personal loans are not regulated financial
advice. This means that duties and requirements imposed on people who give
financial advice do not apply to these recommendations. This includes a duty to
comply with a code of conduct and a requirement to be licensed.