Borrow as much as $50,000 unsecured

Personalised prices from 6.99per cent ?(contrast price 7.79% )?

Our latest honors

How do we assist?

Or choose another loan function

How exactly to apply online

Step One. Get to know you

Step 2. Get your loan offer

We’ll provide you with a loan that is detailed together with your interest rate, borrowing limit and repayments for you really to accept.

Step 3. Get your hard earned money

When you accept your estimate and supply some details that are final many people get their cash within twenty four hours.

That which we provide

$2K – $50K

Loan restrictions

3 or five years

Loan terms

$275 or $575

Establishment cost

Early payment cost

• All loans are unsecured
• Prices from 6.99per cent – 25.69% p.a. ? (comparison price 7.79% – 26.65% p.a. ?)
• Your price is fixed for the lifetime of the mortgage
• You are able to repay regular, fortnightly or month-to-month
• Establishment charge of $275 for loans under $5,000 ?
• Establishment charge of $575 for loans $5,000 and over ?
• No month-to-month account maintaining charges

A reasonable and easy personal bank loan

If use of cash is keeping you right straight back, we’re here to assist

A lot more than a loan

Behind the scenes is an amiable and specific group willing to answr fully your concerns which help you finance your aims with an internet loan.

Personalised prices

Get a reasonable rate of interest that’s personalised for you. Everybody’s needs are very different, which explains why you’ll get an interest rate according to your circumstances – not everybody else’s.

Simplified borrowing

Our 100per cent online procedure allows you to try to get that loan when, anywhere. Our rates of interest and costs are really simple to realize, so you won’t have shocks.

Fast personal bank loan estimate

Utilize our loan that is personal calculator get an instant estimate for the prices and repayments you may anticipate for your online loan.

Typical loan that is personal

Who’s Harmoney?

Harmoney established in 2014 as NZ’s first licensed peer-to-peer unsecured loan provider. Since that time, we’ve loaned more than $1.7 billion to over 50,000 borrowers both in Australia and brand New Zealand (March 2020).

Today, we investment loans more typically, but our focus continues to be the exact exact exact same: to help make the borrowing experience fairer, faster and much more available and also to get rid of the inconvenience, awkwardness and doubt related to old-fashioned borrowing.

Our function would be to assist and encourage visitors to achieve their objectives through lending options which are friendly, simple and fair to make use of. We realize that usage of cash during the right time can make a large huge difference and now we think accountable financing is essential for helping people embrace the opportunities that life gifts.

Is really a personal bank loan effective for paying down credit debt?

An online loan in the type of a debt consolidation loan may be a good way to settle personal credit card debt along with other debts, however it’s maybe perhaps perhaps not suited to everybody.

Why make use of a loan that is personal of expanding my home loan?

Today, low interest for mortgages makes it tempting to improve a home loan with additional financial obligation to save lots of you interest costs. It’s a choice that is worthwhile considering when you yourself have equity, nonetheless it will often turn out to be more expensive over time.

We’ve written concerning the advantages and disadvantages of expanding your home loan, that will help you make a decision that is informed handling financial obligation:

Exactly what can i take advantage of a unsecured loan for?

Harmoney online loans are extremely flexible and may be employed to fund just about anything you intend to.

Debt consolidation reduction, house improvements and renovations and motor finance are popular reasoned explanations why individuals submit an application for a loan that is personal. We additionally provide wedding loans, education loans and signature loans for medical expenses, items for your home, travel and holiday breaks and much more.

If cash and funds are keeping you straight right right back from reaching the things you desire in life, communicate with us on how a loan that is personal assist.

Am I going to be eligible for a Harmoney loan?

In brand brand New Zealand – to try to get installment loans near me a unsecured loan you want to:

• Be 18 years or older
• Be an everlasting Resident or brand brand brand New Zealand citizen
• Be earning an income that is stable