770,023
Since our beginnings in 2014, Harmoney has sought to transform how people borrow and lend money. We’ve created Australasia's largest direct online lending experience, facilitating over $12.1 billion in loan applications to customers on both sides of the Tasman, giving people more choices and options. Along the way, we’ve created over 100 jobs and a purpose‑driven culture focusing on helping people do better through technology, big data, and responsible lending.
Credit when
you need it.
Smart. Simple. Secure. Mobile.
100% online
No queues and no need for awkward face-to-face meetings.
Funded in 24 hours
Accept your loan terms and provide some final details. Most loans are fully funded within 24 hours.
Rates tailored to you
Interest rates are based on your individual credit assessment - not one-size-fits-all.
A loan to start almost anything
No early repayment fees
With a one off establishment fee and no monthly or early repayment fees, we keep things simple and fair.
$2,000 to $70,000
Our unique AI will assess your needs and finances to offer you an affordable personal loan that suits your lifestyle.
3, 5 or 7 years
Choose from weekly, fortnightly or monthly repayments to suit your budget.
A great rate analysed for you from 5.76%² (comparison rate 6.55%³)
There’s no ‘one size fits all’ when assessing someone’s credit. We’re all different and why shouldn’t your rate reflect that?
Embrace next-generation lending through our AI-driven online credit experience, and enjoy a personalised rate tailored to you. No more paper hassles and long decision wait times.
We’re here to help you start now - directly, discreetly and diligently. No middlemen, no judgements, just clever use of smart technology to make fairer, faster decisions about your loan.
Harmoney is transforming the Australian lending journey with swift processing powered by machine learning, immediate access, and accurate AI evaluations. Your financial journey, revolutionised. Start now.
What we offer
Loan amount
$2,000 - $70,000
Interest rate from
5.76%²
Early repayment fee
$0
Comparison rate from
6.55%³
Loan terms - 3, 5 or 7 years
Establishment fee - $275 or $575⁴
Repayment frequency — Weekly, fortnightly, or monthly
Rate type — Fixed rate
Average turnaround — Less than 24 hours
Loan type — Unsecured
What they say about us!
Very prompt service and lovely people tohelp me with my loan"
Yvette, 28 June 2024
"The loan process was incredibly fast, easy and stress free"
Anonymous, 24 June 2024
"Easy, no hassles, fast loans, repayments you can afford"
Sonja, 23 June 2024
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