Harmoney Unsecured Personal Loan April 2021 Review | Rates & Fees | Finder

Harmoney Unsecured Personal Loan

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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.

6.99% - 24.69%

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% - 24.69%
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
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Pros and cons


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


  • Only two loan term lengths available
  • $350 establishment fee for loans of $5,000+

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% - 24.69%.

Features of an unsecured personal loan from Harmoney

  • Interest rates between 6.99% - 24.69%. Interest rates are calculated by assessing the size and length of the loan, along with an applicant’s credit history.
  • 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 being listed on Harmoney’s marketplace.
  • Loan terms. You can choose a loan term of 3 or 5 years.

How much does the loan cost?

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

The following fees may apply to your loan:

  • Establishment fee of $200 for loans under $5,000
  • Establishment fee of $350 for loans of $5,000 and above
  • $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 green “Go to site” link on this page. To be eligible you must, at a minimum:

  • Be a resident or citizen of New Zealand
  • Be deemed to have a 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.
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