Harmoney Personal Loans

Apply online for a loan up to $50,000, with personalised rates for applicants with an excellent credit history.

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Harmoney offers unsecured loans with personalised interest rates starting from 6.99% p.a.

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 $50,000.

  • Max. loan amount: $50,000
  • 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-$50,000
  • No early repayment fees
  • Personalised interest rates based on your circumstances
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Compare personal loans from Harmoney

Updated April 4th, 2020
Name Product Interest Rate (p.a.) Min. Loan Amount Max. Loan Amount Loan Term Monthly Service Fee Application Fee
Harmoney Debt Consolidation Loan
6.99% - 29.99%
Up to 60 months
$200-$450 depending on loan size
Consolidate your debt with an unsecured loan from $2,000 to $50,000. Eligibility: Be a NZ resident/citizen, hold a valid NZ drivers license/passport, have a good credit score.
Harmoney Unsecured Personal Loan
6.99% - 29.99%
Up to 60 months
$200-$450 depending on loan size
Apply for an unsecured personal loan up to $50,000 with no early repayment fees. Eligibility: Be a NZ resident/citizen and have a good credit score.

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Types of personal loans from Harmoney

Harmoney personal loans are suitable for many different purposes. Here are some of the types of loans you can apply for at Harmoney:

  • Personal loan. Use Harmoney to apply for a personal loan ranging from $2,000 to $50,000. There is no charge for repaying your loan early and you will get a personalised interest rate that is unique to your circumstances.
  • Car loan. A Harmoney personal loan is suited to buying a new or used car too. A choice of three-year or five-year terms plus the option to repay early without a penalty makes a Harmoney car loan a flexible alternative to mainstream vehicle financing.
  • Home improvement loan. Consider a personal loan from Harmoney if you are looking to do home improvements. Harmoney loans can be awarded at very attractive rates which are ideal for funding an investment into your home.
  • Debt consolidation. You can apply for a loan via Harmoney for the purpose of consolidating your debts. If you successfully apply you may be offered an interest rate which is lower than your existing debts, saving you interest on your loans.

Features of a Harmoney personal loan

  • Unsecured loans. A Harmoney loan is unsecured, which means you do not need to offer an asset as collateral for your loan, an important factor if you do not own a home or a car.
  • Personalised interest rate. The rate you are offered on your Harmoney personal loan is tailored to your individual ability to repay, and your individual credit risk profile.
  • Flexible loan amount. Loans from Harmoney are suited to different borrowing requirements, with the minimum loan amount starting at only $2,000. You can also borrow for large purchases, with loans capped to a maximum of $50,000.

Eligibility requirements

  • Residency. Only residents and citizens of New Zealand can apply.
  • Income requirement. There is no explicit minimum income requirement, but Harmoney will evaluate your income level as it decides whether you are able to afford a personal loan.
  • Credit file. Harmoney will only consider you for a personal loan if your credit file is in good standing.

Necessary documents and information

  • ID. Harmoney requires a New Zealand driver’s licence or passport as identification.
  • Income verification. You will need to verify your income, and Harmoney offers two alternatives: a slower manual process, or automatic verification via bank statement retrieval service Credit Sense.
  • Assets, liabilities, expenses. To evaluate your ability to repay your loan Harmoney will require you to declare your assets, liabilities and regular expenses.

Harmoney Limited is registered with the Registrar of Financial Service Providers. Their registration number is FSP373486.

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