Compare personal loans
from a range of brands

Personal Loan Finder™ is a 100% free service that lets you find the right financing for you.

Find and compare personal loans from $1,000 to $50,000 from a range of lenders. You can also read the guide for more information on personal loans.

Harmoney Unsecured Personal Loan

Harmoney Unsecured Personal Loan


6.99 % p.a.


  • Borrow from $2,000
  • 100% online
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100% confidential application

Harmoney Unsecured Personal Loan

Apply today to get approved within minutes for up to $70,000.

  • Max. loan amount: $70,000
  • Loan term: Up to 60 months
  • Turnaround time: 99% of approved online applications funded in 24 hours
  • Fees: Establishment fee of $200 for loans from $2,000-$5,000 and $450 for loans from $5,000-$70,000
  • No early repayment fees
  • Personalised interest rates based on your circumstances
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Compare personal loans

Updated April 24th, 2019
Name Product Interest Rate (p.a.) Min. Loan Amount Max. Loan Amount Loan Term Monthly Service Fee Application Fee
6.99% - 29.99%
Up to 60 months
$200-$450 depending on loan size
Apply for an unsecured personal loan up to $70,000 with no early repayment fees. Eligibility: Be a NZ resident/citizen and have a good credit score.
9.95% - 20.95%
Up to 120 months
An unsecured personal loan from $1,000 with personalised repayment options. Eligibility: Be an 18+ permanent NZ resident or non-resident on a working visa, earn $500+ weekly.
13.95% - 23.95%
Up to 60 months
$125-$595 depending on loan size
A secured loan from $1,000 to $50,000 with a quick online application process. Eligibility: Be an 18+ permanent NZ resident, have collateral/security, earn at least $450 per week.
From 9.95%
Up to 60 months
Borrow up to $100,000 with a quick turnaround time upon approval. Eligibility: Be over 21, working visa and beneficiary applicants are accepted (conditions apply).
13.95% - 23.95%
Up to 60 months
$125-$595 depending on loan size
Borrow up to $20,000 and apply online within 5 minutes. Eligibility: Be over 21, hold permanent NZ residency, have collateral/security, earn at least $450 per week.

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What do you want to learn about?

Finding the right personal loan

Learn about:

  • How a personal loan works
  • How to choose a personal loan
  • What types of personal loans are available

What is a personal loan?

A personal loan is a secured or unsecured line of credit up to $100,000 over five or seven years. You can use the money for a range of purposes, such as buying a car, consolidating debt, paying for a wedding or even taking a holiday. Personal loans are an agreement between you and a lender for you to have a certain amount of money and pay it back over time.

How do personal loans work?

A personal loan is a secured or unsecured line of credit up to $100,000 over 3 months to seven years. You can use the money for a range of purposes, such as: buying a car; consolidating debt; paying for a wedding, or even taking a holiday.

Personal loans are an agreement between you and a lender for you to be given a certain amount of money and pay it back over time. Here is how personal loans work:

  • Application and approval. You can apply for a personal loan from a bank, credit union or standalone lender online. It can be done over the phone or in-branch, depending on what application types the lender offers. The time it takes to be approved depends on the lender, but it can range from anywhere between 60 second to a week or two.
  • Loan contract. When you are approved for a loan you will need to agree to a loan contract that sets out certain terms. These terms include how long you will have to repay the loan (the loan term); what fees you need to cover; and the rate of interest you will be charged on your loan amount.
  • Loan terms. Your loan terms will be set out in your loan contract. Generally, loan terms range between 3 months and seven years.
  • Loan costs. Lenders agree to lend you money in exchange for interest, which is charged annually. This interest can be fixed or variable. Other loan costs include establishment fees, monthly fees and annual fees. You should also check if you will be charged fees for repaying your loan early or making additional repayments.
  • Loan types. There is a wide variety of personal loans available in the market, with each one coming with a set of terms and restrictions. For instance, when you apply for a car loan the lender often requires that the entire loan amount be used for your car purchase. The car is also generally required to be used as security in case you default on the loan. An unsecured personal loan, on the other hand, is less restrictive and you can use the loan amount in almost any way you choose.

How do I choose a personal loan?

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The types of personal loans that are available to you

There is a wide range of personal loans available in New Zealand to those who have stellar credit, average credit or bad credit. Find out what loan may work for you with the below options.

How to compare personal loans

Learn about:

  • What makes a personal loan competitive
  • The interest rate and fees to expect
  • Working out your borrowing power

Features of personal loans: What makes a loan competitive?

When comparing your personal loan options, it is helpful to keep in mind the range of features available with these loans. When you are comparing the options, here are some of the questions you need to ask.

  • Does the loan have a competitive interest rate? Rates on personal loans are either fixed or variable. Compare rates across similar loan products to ensure you are getting the best deal.
  • What are the fees and charges? You need to consider both ongoing fees and fees charged at the onset of the loan. Common fees include an application fee or loan set-up fee, while monthly fees and annual fees are common ongoing fees. You may also be charged to use additional features of the loan.
  • Is there repayment flexibility? How often are you able to make repayments? Are you able to make additional repayments or pay off the loan early without penalty?
  • Do the loan terms match your needs? Personal loans are usually offered for terms of between 3 months and seven years. Some lenders are more restrictive than others when it comes to how long you have to repay your loan, for example, only offering terms of one, three or five years. Make sure the loan terms on offer are what you need. Long term loans over seven years often see lower repayments, but you will pay a greater amount of interest.

The interest rates and fees to expect on personal loans

The interest rate and fees you are charged depend on the loan you apply for (you can compare these on the table above), but each loan type comes with similar costs and understanding these can help you compare personal loan options.

The interest rate

Your interest rate will either be fixed or variable. Car loans tend to come with fixed rates while unsecured loans offer both, but you will find a mix of variable and fixed rates within each loan type. Variable rate loans mean the loan is more flexible and comes with longer loan terms, but fixed rate loans usually come with restrictions, such as not allowing you to make extra repayments. Fixed rate loans come with shorter terms, usually up to five years.

The fees

There are three types of fees you should expect: Upfront fees (establishment fees, application fees), ongoing fees (monthly, annual or direct debit fees) and fees that are charged if you default on the loan or miss a repayment.

How to get the right personal loan for you

Applying and being approved for a personal loan

Learn about:

  • Who is eligible for a personal loan?
  • Documents you need for your application
  • How to improve your chances of being approved
  • The application process

Who is actually eligible for a loan?

Eligibility for personal loans depends on a few different things:

  • If you have a low income. Applicants with low incomes can still be approved for personal loans. However, it is always a good idea to check the borrowing requirements and check your repayments with a calculator.
  • If you receive Work and Income payments. If you receive a pension, Work and Income payments or other benefits, you may still be eligible. It is important to make sure you can meet the repayments before applying.
  • If you have bad credit. You are still able to apply for certain personal loans if you have negative marks on your credit file. Bad credit loans are still possible. You might end up paying a higher interest rate on these loans, so it is important to compare a range of offers before applying.
  • If you have existing credit card or personal loan debt. You may still be approved for a new personal loan , but you should calculate your repayments and your debt levels before continuing.
  • If you don’t meet the minimum requirements. You still might be able to apply with a guarantor. This is where someone, usually a family member such as a parent, agrees to ”guarantee” your personal loan should you fail to meet your obligations.


Did you know you may still get your personal loan approved if you hold a visa, but many of the big banks won’t lend to you. If you are researching institutions that might lend to you on your temporary essential skills work visa, then it is best practice to go in armed with as much knowledge as possible. Find out which banks might offer you a loan; what the criteria is and how you can maximise your chance of being approved.

What documents will I need when applying for a loan?

Each bank and institution have their own criteria you have to meet to finalise your loan application.

How can I improve my chances of the loan being approved?

There is no way to guarantee you are approved for a personal loan, but giving yourself the best chance at being approved starts with meeting the eligibility criteria set by the lender. To further your chances of being approved, keep the following in mind:

  • Establish your borrowing capacity. What repayments can you afford? Lenders will use a variety of criteria to decide how much you are eligible to borrow, but you need to know how much you can afford to repay.
  • Building good banking history. Keep your account in good standing to build a positive relationship with your bank, even if you don’t plan on borrowing from them.
  • Keep your credit rating in good status. Make sure you keep track of all your payments, from credit cards to utility bills, because any arrears, debts, or missed payments will affect your ability to access credit.
  • Keep track of your saving goals. If you manage to contribute to your savings regularly, it shows lenders you are likely to manage ongoing loan repayments.

How to apply for a personal loan

  1. Get ready to make your purchase. Make sure you know how much you want to borrow and have worked out that you can meet the repayments.
  2. Choose a secured or unsecured loan. If you already own as asset or are looking to buy one, then a secured loan may be an option. If not, you may want to consider your unsecured personal loan options.
  3. Decide between a fixed or variable rate. A fixed rate loan means the repayments are set for the life of the loan and can’t fluctuate, whereas a variable rate loan can increase or decrease repayments over the life of the loan.
  4. Choose your terms. A calculator can help you work out your repayments.
  5. Start your personal loan research and comparison. This is an important step to finding the best loan option for you.
  6. Click through and apply. Once you find the loan you want to apply for, simply click ”Go to Site” to apply.

Why is there an interest rate and a comparison rate?

Companies usually display an interest rate and also a rate that is inclusive of fees and charges. This is called a comparison rate and is a crucial tool when comparing loans. For example, if a personal loan has the interest rate of 12.45% p.a, but a comparison rate of 14.52% p.a. it would indicate there is a range of fees included in the loan. If the loan has an interest rate of 10.13% p.a and the exact same comparison rate, then this indicates there are no fees included in the loan. For a detailed view, read our guide to personal loan comparison rates.

The questions we’ve been asked about personal loans

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