Introduction
Harmoney is a leading online lending platform that has reshaped borrowing and lending experiences across Australasia since its establishment in 2014. With a mission to empower individuals to take control of their financial aspirations, Harmoney offers smart, simple, and secure financial solutions. Over the years, the platform has facilitated more than $1.6 billion in loans for over 50,000 customers in New Zealand and Australia, providing flexible options that cater to diverse needs. Beyond its services, Harmoney has contributed to the economy by creating over 100 jobs and fostering a purpose-driven culture that prioritizes technology, data-driven decisions, and responsible lending practices.
What Products Does Harmoney Offer?
Harmoney provides a wide range of personal loan options designed to address various financial needs, including:
Debt consolidation
Streamlining multiple debts into a single payment.
Home improvements
Funding renovations or upgrades to your property.
Wedding loans
Helping couples create their dream wedding.
Car loans
Supporting the purchase of new or used vehicles.
Holiday loans
Financing memorable vacations and travel plans.
Education loans
Covering tuition fees or other educational expenses.
Business loans
Assisting with investments or growth in business ventures.
Medical expenses
Managing unexpected healthcare costs.
How Can I Apply?
Applying for a loan with Harmoney is a straightforward three-step process designed to make borrowing as seamless as possible:
Provide Your Details
Start by sharing information about your loan needs and some basic details about yourself and your finances. This helps Harmoney understand your requirements and determine the best loan options for you.
Receive Your Quote
Harmoney will provide you with loan terms, including your interest rate, borrowing limit, and repayment details, so you know exactly what to expect.
Get Funded
Once you accept the loan terms and finalize the required details, your loan will typically be funded within 24 hours, allowing you to access your money quickly and efficiently.
What Can Harmoney Offer?
Harmoney provides flexible loan options with transparent terms to suit various financial needs. Here’s a breakdown of what’s available:
Loan Amounts
Borrow between $2,000 and $70,000.
Loan Terms
Choose from 3, 5, or 7 years to repay your loan.
Fixed Interest Rates
- Secured loans: Rates range from 9.89% p.a. to 21.49% p.a.*
- Unsecured loans: Rates range from 9.99% p.a. to 24.99% p.a.²
- Fees :
- $150 establishment fee.
- No early repayment fees, offering flexibility to pay off your loan sooner without penalties.
- Repayment Options : Flexible schedules allow you to repay weekly, fortnightly, or monthly.
- Fixed Rate Guarantee : Your interest rate remains fixed for the life of the loan, ensuring consistent payments.
These features ensure borrowers can access loans with terms that are clear, adaptable, and easy to manage.
How Does Debt Consolidation Work with Harmoney?
Harmoney offers a streamlined, fully online process for consolidating your debts, available 24/7. Here's how it works:
Simplified Repayments
By combining multiple debts into a single loan, you can manage your finances more easily with one consistent repayment schedule. Once your debt consolidation loan is approved and funded, Harmoney pays your nominated creditors directly, ensuring a smooth transition.
Regain Financial Control
Consolidating high-interest debts into one loan with a fixed interest rate can help you regain control over your finances, making it easier to manage and pay off your obligations.
Potentially Lower Repayments
Harmoney offers personalized fixed interest rates based on your financial profile, which may be lower than your current rates, potentially reducing your overall repayment amounts.
Contact Details
Harmoney provides multiple ways for customers and investors to get in touch for support or inquiries:
Customer Service
Phone: 0800 427 666 (0800 HARMONEY)
Hours:- Monday to Friday: 9 am – 6 pm
- Saturday & Sunday: Available via Live Chat
Email Contacts
- General Inquiries: customerservice@harmoney.co.nz
- Investor Services: investorservices@harmoney.co.nz
Social Media
Address
Level 3, 110 Customs Street West, Auckland CBD, Auckland 1010
PO Box 106-507, Customs Street East, Auckland City, 1143Have you tried Harmoney's services? Share your feedback with us!