Harmoney
Personal Loan
Harmoney Personal Loan
Borrow $2,000 to $70,000 with competitive fixed rates. 100% online with no branch visits required.
Apply for Personal Loan
Comparison rate: 7.87% p.a.
- 100% online — no branch visits needed
- Borrow up to $70,000
- No early repayment fees
- Fixed rates for predictable repayments
Rates and fees may vary based on your profile
Rate from
6.99% p.a.
Comparison rate
7.87% p.a.
Loan amount
$2,000 - $70,000
Loan term
24 - 84 mo
Establishment fee
Establishment fee: $195-$495. Monthly fee: $0. Early repayment fee: $0.
Monthly fee
$0
About Harmoney
Harmoney is a fintech lender offering personal loans entirely online. Originally founded in New Zealand, Harmoney now operates in Australia offering competitive rates on unsecured personal loans for a wide range of purposes.
Repayment Calculator
Estimate your monthly repayments for a Personal Loan loan. Adjust the sliders to see how different amounts, terms and rates affect your repayments.
Adjust your loan details
Estimated monthly repayment
per month
Indicative only. Excludes establishment and ongoing fees.
Pros & Cons
What we like
- Debt consolidation
- Large purchases
- Home renovations
Watch out for
- Small loans under $2,000
- Borrowers wanting to avoid establishment fees
Eligibility Requirements
To apply for a Personal Loan loan, you will typically need to meet the following criteria. Requirements may vary depending on your individual circumstances.
Documents you will typically need
- Recent payslips (last 2-3)
- Bank statements (last 90 days)
- Photo ID (driver licence or passport)
- Proof of address (utility bill or lease)
Some lenders may request additional documentation depending on your employment type and loan amount.
How to Apply
Getting started with Personal Loan is straightforward. Follow these steps to submit your application.
Check Your Rate
Get a personalised rate estimate online without impacting your credit score.
Complete Application
Provide supporting documents and finalise your application — all done online.
Receive Funds
Once approved and your contract is signed, funds are deposited into your account.
Check Your Rate
Get a personalised rate estimate online without impacting your credit score.
Complete Application
Provide supporting documents and finalise your application — all done online.
Receive Funds
Once approved and your contract is signed, funds are deposited into your account.
Frequently Asked Questions
Common questions about Personal Loan
Harmoney offers fixed rates from 6.99% p.a. to 24.69% p.a. depending on your credit profile and loan details.
Harmoney charges an establishment fee of $195 to $495 depending on loan amount. There are no monthly or early repayment fees.
Yes, Harmoney offers a rate estimate that uses a soft credit check which does not affect your credit score.
Ready to apply?
Check your eligibility for Personal Loan today. The application takes just a few minutes.
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