Harmoney Unsecured Personal Loan

Use an unsecured personal loan to take care of unforeseen expenses.

Unsecured personal loans from Harmoney can be approved up to $70,000, allowing you to consolidate debt, renovate, upgrade the family car or book a much-needed holiday. If you’re looking to secure financing without putting forward collateral, it’s worth considering an unsecured personal loan from Harmoney.

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6.99% - 19.99%

Interest Rate (p.a.)


Max. Loan Amount


Minimum Credit Score


Product NameHarmoney Unsecured Personal Loan
Benefit DescriptionApply for an unsecured personal loan up to $70,000 with no early repayment fees.
Interest Rate (p.a.)6.99% - 19.99%
Min. Loan Amount$2,000
Max. Loan Amount$70,000
Loan Term3 or 5 years
Turnaround Time99% of approved online applications funded in 24 hours
More Info

Pros and cons


  • High lending limit of $70,000
  • No early repayment fee
  • Fixed interest rates


  • Only two loan term lengths available
  • Establishment fee of $150

Main points to consider with a Harmoney Unsecured Personal Loan

Harmoney Unsecured Personal Loans range from $2,000 to $70,000. Loan terms can be set at 3 or 5 years, with interest rates applied at 6.99% - 19.99% p.a.

Features of an unsecured personal loan from Harmoney

  • Interest rates between 6.99% - 19.99% p.a. Interest rates are calculated by assessing the size and length of the loan, along with an applicant’s credit history. The rate you receive is fixed for the life of the loan.
  • Flexible loan size. Unsecured loans from Harmoney typically range from $2,000 to $70,000.
  • Quick approval times. Once you’ve applied, you should hear from a Harmoney representative within an hour.
  • Fast access to funds. Loans are often funded within 24 hours of loan terms being accepted.
  • Loan terms. You can choose a loan term of 3 or 5 years.
  • Repayment instalment options. Loans can be repaid in weekly, fortnightly or monthly instalments.
  • Credit classifications. Harmoney calculates interest rates using a risk-based approach. Your credit score, employment and financial history are all taken into account during the credit assessment. The better your credit score and history, the lower your interest rate.
  • Harmoney repayment calculator. Harmoney provides an online calculator that helps you gauge an estimate of what your repayments size will be.
  • Online application. You can apply online for an unsecured personal loan from Harmoney.

How much does the loan cost?

The total cost of your loan will vary depending on how much you borrow, the term of your loan and your repayment instalment plan.

The following fees may apply to your loan:

  • Establishment fee of $150 is charged for all loan sizes
  • $15 dishonour fee if a payment requires re-processing
  • $20 overdue fee

How to apply for a Harmoney Unsecured Personal Loan

You can apply for a Harmoney Unsecured Personal Loan by clicking the “Apply now” button on their website. To be eligible you must, at a minimum:

  • Be a resident or citizen of New Zealand
  • Be deemed to have sufficient income by Harmoney
  • Be deemed to have a reasonable credit history by Harmoney

When applying for a loan you generally need to provide:

    • Identification. Typically a New Zealand driver’s licence or passport
    • Verification of income. Harmoney utilises an automatic verification system called Credit Sense. This system securely retrieves and analyses your bank statements to create a credit grade.

Bottom line

Harmoney’s unsecured personal loan allows you to cover upcoming expenses without putting forward collateral. This lender offers tailored interest rates (depending on your credit history and the size of the loan). Highlights include: no early repayment fee, a high lending limit and quick approval time.

Compare personal loans

Name Product Interest Rate (p.a.) Min. Loan Amount Max. Loan Amount Loan Term Monthly Service Fee Establishment Fee
FROM 6.99%
The Co-operative Bank Unsecured Personal Loan
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6 months to 5 years
Eligibility: Be 18+, an NZ citizen/permanent resident, or have a valid work visa.
Floating-rate, unsecured personal loans from $3,000.
Lending Crowd Personal Loan
6.45% -19.30%
2, 3 or 5 years
$350 - $650 depending on the amount borrowed
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Secured and unsecured personal loans from $2,000 to $200,000. 100% online with no paperwork or early repayment fees.
Nectar Unsecured Personal Loan
8.95% - 29.95%
6 months to 4 years
Eligibility: Must be 18+, an NZ citizen or permanent resident, have an income of $400 per week or more (after tax) and a stable credit history.
Unsecured loans from $1,000 with payouts made within one day of approval. Applications entirely online.
Save My Bacon Unsecured Flex Loan
12 to 36 months
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Medium-term unsecured loans from $2,000 to $5,000 with no hidden fees.
Gem Unsecured Personal Loan
8.99% - 24.99%
6 months to 7 years
Eligibility: Be 18+, a permanent NZ resident or hold a valid work visa allowing you to reside in New Zealand, employed and earning a stable income.
Unsecured personal loans with weekly, fortnightly or monthly repayment schedules and no early repayment fees.
Kiwibank Unsecured Personal Loan
13.95% - 18.95%
6 months to 7 years
Eligibility: Be 18+, an NZ citizen/permanent resident, and have a stable income.
Unsecured personal loans from $2,000

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