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Harmoney loans are funded by





PERSONAL LOANS TO START NOW.

GET MY RATE


Won't affect your credit score




A LOAN TO START ALMOST ANYTHING


A HOME RENOVATION

We don’t need tradesman quotes for your home improvements loan, so there are no
delays to getting your loan.



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BUY A NEW CAR

Unsecured or secured? The choice is yours.  Negotiate with cash buyer
confidence.  With your finance already sorted, you’re ready to search

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GO ON A HOLIDAY

Get your holiday loan approved before you start booking your trip to take
advantage of promotions and discounts.



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NO EARLY REPAYMENT FEES

With a one off establishment fee and no monthly or early repayment fees, we keep
things simple and fair.


$2,000 TO $70,000

Our unique AI will assess your needs and finances to offer you an affordable
personal loan that suits your lifestyle.


3, 5 OR 7 YEARS

Choose from weekly, fortnightly or monthly repayments to suit your budget.


A GREAT RATE ANALYSED FOR YOU FROM 5.76%² (COMPARISON RATE 6.55%³)

There’s no ‘one size fits all’ when assessing someone’s credit. We’re all
different and why shouldn’t your rate reflect that?

Embrace next-generation lending through our AI-driven online credit experience,
and enjoy a personalised rate tailored to you. No more paper hassles and long
decision wait times.



We’re here to help you start now - directly, discreetly and diligently. No
middlemen, no judgements, just clever use of smart technology to make fairer,
faster decisions about your loan.

 

Harmoney is transforming the Australian lending journey with swift processing
powered by machine learning, immediate access, and accurate AI evaluations. Your
financial journey, revolutionised. Start now.




WHAT WE OFFER

Loan amount


$2,000 - $70,000

Interest rate from


5.76%²

Early repayment fee


$0

Comparison rate from


6.55%³

Loan terms - 3, 5 or 7 years



Establishment fee - $275 or $575⁴



Repayment frequency — Weekly, fortnightly, or monthly



Rate type — Fixed rate



Average turnaround — Less than 24 hours



Loan type — Unsecured


RATES AND FEES



15,706

5-star reviews


4.8



based on 17,022 reviews


4.7



based on 1,403 reviews


3.9



based on 264 reviews


WHAT THEY SAY ABOUT US!

Very polite, easy to deal with

Shane, 7 November 2023

Easy to follow and not complicated

Georgi, 7 November 2023

Amazing service. Love Harmoney!!

Ella, 4 November 2023


OUR LATEST INDUSTRY AWARDS






HOW TO APPLY ONLINE


01


GET TO KNOW YOU


TELL US ABOUT THE PERSONAL LOAN YOU WANT, THEN PROVIDE US WITH SOME DETAILS
ABOUT YOURSELF AND YOUR FINANCES.


02


GET YOUR QUOTE


WE’LL GIVE YOU A DETAILED QUOTE WITH YOUR INTEREST RATE, BORROWING LIMIT AND
REPAYMENTS.


03


GET YOUR MONEY


AFTER ACCEPTING THE TERMS AND PROVIDING SOME FINAL DETAILS, MOST PEOPLE RECEIVE
THEIR MONEY WITHIN 24 HOURS.




WE'RE HERE IF YOU NEED US

Get help around the clock. Message a real person in Aussie, Fiji or New Zealand
at our customer support centres. Give us a call anytime on 1300 042 766 or jump
on to online chat and one of our 30+ specialists will be there to lend a hand.

HELP CENTRE

OTHER WAYS TO CONTACT US


PERSONAL LOANS

Loan

Personal loan
Debt consolidation
Home improvements
Wedding loans
Car loans
Holiday loans
Education loans
Medical expenses
Business loans
Quick cash loans
Online loans
Fast loans
Low interest loans
Easy loans

KEY INFORMATION

Interest rates and fees
Top Up
FAQs
Unforeseen hardship

TOOLS AND RESOURCES

Personal loans calculator
Help centre
Sitemap

Blog

COMPANY

About us
Leadership Team
Directors
Press releases
Investor centre
Contact us

LEGAL

All terms
Website Terms of Use
Privacy policy
Notifiable Matters Statement
Unforeseen financial hardship
Complaints process
Target Market Determination - Consumer Personal Loan


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Harmoney Australia Pty Ltd ABN 12 604 342 823, holds Australian Credit Licence
Number 474726 and Australian Financial Services Licence Number 474726. Harmoney
Australia Pty Ltd and Harmoney Services Australia Pty Ltd are part of the
Harmoney Corp Limited group.

Terms and conditions


1. Loan terms subject to availability.


2.  Subject to approval. Harmoney’s unsecured interest rates range from 5.76%
p.a. to 24.03% p.a. (Comparison Rate 6.55% p.a. to 24.98% p.a.) and secured
interest rates range from 5.66% p.a. to 20.07% p.a. (Comparison Rate 6.45% p.a.
to 20.98% p.a.). 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.


3. Unsecured comparison rate of 6.55% and secured comparison rate of 6.45% are
based on a personal loan of $30,000 over 5 years. WARNING: Comparison rates
apply only to the example given. Different amounts and terms will result in
different comparison rates. Costs, fees, government charges like stamp duty, and
cost savings are not included in the comparison rate but may influence the cost
of the loan.


4. Establishment fee of $275 for loans up to $5,000 and $575 for loans $5,000
and over. Unsecured fixed rates range from 5.76% p.a. (Comparison Rate 6.55%
p.a.) and secured fixed rates range from 5.66% p.a. (Comparison Rate 6.45% p.a.)
on 36, 60 or 84 month terms, with no early repayment penalties.



Example loan. A Harmoney Personal Loan of $20,000 borrowed for 36 months with a
fixed unsecured interest rate of 5.76% p.a. (comparison rate 6.55% p.a.) the
total amount you would need to repay would be $23,062 (made up of $20,000
principal, interest of $2,487 and a $575 establishment fee)

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