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PERSONAL LOANS

Personal loans to start almost anything.


Won’t affect your credit score

Canstar's most awarded Personal Loan (Ever!)
CANSTAR 2015 2023 Outstanding Value Personal Loan OL Frame 1162 v2

What our customers say

5.0 Loan request and offer has been easy to work through. Staff have been excellent to work with. Quick responses. new zealand
Loan request and offer has been easy to work through. Staff have been excellent to work with. Quick responses.
5.0 "I recently had the pleasure of working with Harmoney, and I couldn't be happier with the experience. From the start, their team was professional, knowledgeable, and incredibly helpful, guiding me through every step of the loan application process. They took the time to understand my financial needs and recommended the best options for my situation, making sure I felt comfortable and informed. new zealand
"I recently had the pleasure of working with Harmoney, and I couldn't be happier with the experience. From the start, their team was professional, knowledgeable, and incredibly helpful, guiding me through every step of the loan application process. They took the time to understand my financial needs and recommended the best options for my situation, making sure I felt comfortable and informed.
5.0 Harmony team are the best finance that I have met in New Zealand new zealand
Harmony team are the best finance that I have met in New Zealand
5.0 In all the years that I have dealt with Harmoney for various loans etc I have always found the dealings and communications between myself and Harmoney to be swift , polite and always reliable . Harmoney is always my first goto for all my financial needs . Thanks and best wishes to all staff at Harmoney you guys make loans easy. A D Burton. new zealand
In all the years that I have dealt with Harmoney for various loans etc I have always found the dealings and communications between myself and Harmoney to be swift , polite and always reliable . Harmoney is always my first goto for all my financial needs . Thanks and best wishes to all staff at Harmoney you guys make loans easy. A D Burton.
5.0 Feeling good about having loan approved! new zealand
Feeling good about having loan approved!
5.0 I had reservations about going for a loan but Harmoney was so easy and simple and quick to do online that it was amazing. I'm impressed. new zealand
I had reservations about going for a loan but Harmoney was so easy and simple and quick to do online that it was amazing. I'm impressed.
5.0 Best finance company. Easy to deal with new zealand
Best finance company. Easy to deal with
5.0 Easy and quick loan process, great customer service. new zealand
Easy and quick loan process, great customer service.
5.0 Excellent quick service, love the loan structure!! new zealand
Excellent quick service, love the loan structure!!
5.0 This is my second time asking Harmoney for financial help and right away they did not hesitate to lend me a hand. They are the best in the country, with their top notch service, easy to understand process and their unbeaten rates new zealand
This is my second time asking Harmoney for financial help and right away they did not hesitate to lend me a hand. They are the best in the country, with their top notch service, easy to understand process and their unbeaten rates
5.0 The best Finance company ever! Highly recommend!! new zealand
The best Finance company ever! Highly recommend!!
5.0 Fantastic service, clear communication. Third loan with them and still very impressed. They made this process about 3x faster than three other loam companies I tried to work with. new zealand
Fantastic service, clear communication. Third loan with them and still very impressed. They made this process about 3x faster than three other loam companies I tried to work with.
5.0 Easy and very fast already did a loan with harmoney in the past and their communication and services have been the best new zealand
Easy and very fast already did a loan with harmoney in the past and their communication and services have been the best
5.0 I have found harmoney to be very good and fast in getting my loan completed. new zealand
I have found harmoney to be very good and fast in getting my loan completed.
5.0 The best finance company new zealand
The best finance company

Simple, 100% online

1. Get to know you

Tell us about your loan and provide us some details about yourself and your finances.

2. Get your quote

We provide you with your loan terms, your interest rate, borrowing limit, and repayments.

3. Get your money

Accept your loan terms and provide some final details. Most loans are fully funded within 24 hours.

What we offer

$2K - $70K
Loan limits
3, 5 or 7 years
Loan terms
$150
Establishment fee
$0
Early repayment fee
  • You can get a 3, 5 or 7 year loan term¹
  • Secured fixed rates from 9.89%* p.a to 21.49% p.a.
  • Unsecured fixed rates from 9.99% p.a. to 24.99% p.a.²
  • Establishment fee of $150
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan

* If you take out a secured loan and don’t meet the security conditions within 60 days of the loan advance, the loan will revert to unsecured and the interest rate will change to a higher unsecured interest rate.

Get a quick estimate

Get a quick idea of your interest rate and your repayments using our personal loan calculator.

Get the loan that works for you

Spend more time living and less time figuring out how to pay for what you need.

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GET YOUR MONEY FAST

No queues and no need for awkward face to face meetings.

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YOU'RE UNIQUE. SO IS YOUR RATE

Interest rates are based on your individual credit assessment - not one-size-fits-all.

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100% ONLINE - 24/7

Once your loan is approved the money will be in your account in 1-3 business days.

Types of personal loans

Help for almost anything you need.

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CAR LOANS

Got your eye on that new or used vehicle? Our auto loan can help get you out on the road.

Find out more

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EDUCATION

Worrying about paying for education is no help when you are trying to study. Reduce stress by covering expenses with an education loan.

Find out more

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DEBT CONSOLIDATION

A debt consolidation loan can replace your old debts with a single repayment designed for your personal circumstances.

Find out more

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HOLIDAY LOANS

Create memories with the trip of a lifetime. Visit family, a favourite travel destination, or somewhere you've always wanted to go.

Find out more

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BUSINESS LOANS

Whether you own a business or are starting a new one, a personalised business loan may help you kickstart your growth.

Find out more

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MEDICAL LOANS

A medical loan can take away the stress and worry of hospital expenses and allow you to solely focus on your health.

Find out more

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WEDDING LOANS

A wedding loan can help you achieve exactly what you have in mind for that special day.

Find out more

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HOME RENOVATION

A home improvement loan could help you achieve the living spaces that you have dreamed of having.

Find out more

We're real people and we're here if you need us

If you need help, just give us a call us on 0800 427 666 (Mon. - Fri 9am - 6pm) or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

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Terms and conditions

1.Loan terms subject to availability.

2. Subject to approval. Harmoney’s interest 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.