Inform us concerning the unsecured loan you want, then offer us with some information regarding your self as well as your funds

Inform us concerning the unsecured loan you want, then offer us with some information regarding your self as well as your funds

Borrow as much as $50,000 unsecured

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

Our latest prizes

How do we assist?

Or pick 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 step-by-step loan offer together with your interest rate, borrowing limit and repayments for you yourself to accept.

Step 3. Get your hard earned money

When you accept your estimate and offer some last details, a lot of people get their funds within a day.

That which we provide

$2K – $50K

Loan limitations

3 or five years

Loan terms

$275 or $575

Establishment charge

Early payment charge

  • 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 when it comes to full life of the mortgage
  • You can easily repay weekly, fortnightly or month-to-month
  • Establishment cost of $275 for loans under $5,000 ?
  • Establishment cost of $575 for loans $5,000 and over ?
  • No month-to-month account maintaining charges

A reasonable and easy unsecured loan

If usage of cash is keeping you straight right back, we’re here to simply help

Significantly more than a loan

Behind the scenes is an amiable and committed group prepared to reply to your concerns which help you finance an online loan to your goals.

Personalised prices

Obtain a reasonable rate of interest that’s personalised for you. Everybody’s needs are very different, which is the reason why you’ll get an interest rate predicated on your circumstances – not everybody else’s.

Simplified borrowing

Our 100per cent online process allows you to try to get financing when, anywhere. Our interest levels and charges are really simple to realize, so any surprises won’t be had by you.

Fast personal loan estimate

Utilize our personal bank loan calculator to get a quick estimate regarding the prices and repayments to anticipate for the online loan.

Typical personal bank loan questions

That is 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 brand brand New Zealand (March 2020).

Today, we fund loans more typically, but our focus continues to be the exact bad credit installment loans exact exact same: to help make the borrowing experience fairer, faster and much more accessible also to get rid of the inconvenience, awkwardness and doubt connected with old-fashioned borrowing.

Our function is always to assist and motivate visitors to attain their objectives through lending options which are friendly, simple and fair to make use of. We understand that usage of cash during the right time can make a giant huge difference and now we think accountable financing is vital for helping people embrace the opportunities that life gift suggestions.

Is a loan that is personal for paying down credit debt?

An loan that is online the type of a debt consolidation reduction loan may be an ideal way to repay personal credit card debt as well as other debts, however it’s maybe not appropriate everybody else.

Why make use of unsecured loan rather of expanding my home loan?

Today, low interest for mortgages makes it tempting to boost a home loan with additional financial obligation to save you interest fees. It’s an alternative that is worthwhile considering when you have equity, nonetheless it will often turn out to be more expensive in the end.

We’ve written about the advantages and disadvantages of expanding your home loan, that will help you make an educated choice about handling financial obligation:

Exactly what can I prefer a personal loan for?

Harmoney online loans are really versatile and certainly will be employed to fund just about anything you need to.

Debt consolidating, house improvements and renovations and motor finance are popular explanations why individuals submit an application for a personal bank loan. We additionally provide wedding loans, education loans and unsecured loans for medical costs, home products, travel and holiday breaks and much more.

If cash and funds are keeping you right right straight right back from attaining the things you prefer in life, communicate with us about how precisely a loan that is personal assist.

Can I be eligible for a Harmoney loan?

In brand New Zealand – to utilize for a unsecured loan you need certainly to:

  • Be 18 years or older
  • Be A permanent Resident or brand brand New Zealand resident
  • Be earning an income that is stable