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 choose another loan function

Just how to apply online

Step one. Get to know you

Step 2. Get your loan offer

We’ll present a step-by-step loan offer along with your interest rate, borrowing limit and repayments for you really to accept.

Step 3. Get your cash

When you accept your estimate and offer some last details, a lot of people get their funds in 24 hours or less.

That which we provide

$2K – $50K

Loan restrictions

3 or five years

Loan terms

$275 or $575

Establishment cost

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 for the full lifetime of the mortgage
• You’ll 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 loan that is personal

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

Significantly more than that loan

Behind the scenes is an amiable and specialized group prepared to reply to your concerns which help you finance your targets with an internet loan.

Personalised prices

Get an interest that is fair that’s personalised to you personally. Everybody’s needs are very different, which is the reason why you’ll get an interest rate centered on your circumstances – not everybody else’s.

Simplified borrowing

Our 100per cent online procedure makes it simple to use for that loan when, anywhere. Our interest levels and costs are really simple to realize, so any surprises won’t be had by you.

Fast personal bank loan estimate

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

Typical unsecured loan concerns

Who’s Harmoney?

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

Today, we investment loans more usually, but our focus continues to be the exact same: to really make the borrowing experience fairer, faster and much more available 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 attain their objectives through financial loans which can be friendly, reasonable and easy to make use of. We understand that usage of cash in the right time can make an enormous distinction and we also think accountable financing is essential for helping people embrace the opportunities that life gift suggestions.

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

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

Why work with 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 truly save you interest fees. It’s a choice that is worth taking into consideration it can sometimes end up being more costly in the long run if you have equity, but.

We’ve written concerning the benefits and drawbacks of expanding your home loan, to assist you make an educated choice about handling financial obligation:

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

Harmoney loans that are online extremely versatile and that can be employed to fund most situations https://installment-loans.org/payday-loans-mn/ you intend to.

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

If cash and finances are keeping you straight straight back from attaining the things you need in life, communicate with us regarding how a unsecured loan could assist.

Can I be eligible for a Harmoney loan?

In brand brand brand brand New Zealand – to utilize for a loan that is personal need certainly to:

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