According to the Australian Financial Review, we are among Australia’s Most Innovative Companies (AFR). With its Libra® real-time credit scoring technology, Harmoney was able to place fourth in the banking, superannuation, and financial firms category of the prestigious 2021 AFR BOSS Most Innovative Companies Awards.

What we offer

$2K – $70K

Loan limits

3, 5 or 7 years

Loan terms

$275 or $575

Establishment fee

$0

Early repayment fee

• You can get a 3, 5 or 7 year loan term¹
• Secured fixed rates from 6.85%* to 18.53% (comparison rate 7.65%)
• Unsecured fixed rates from 6.95%² to 22.03% (comparison rate 7.75%³)
• Your rate is fixed for the life of the loan
• Establishment fee of $275 for loans under $5,000 ⁴
• Establishment fee of $575 for loans $5,000and over ⁴
• No monthly account keeping or early repayment fees
• You can repay weekly, fortnightly or monthly

Get the loan that works for you

Spend more time living and less time figuring out how to pay for what you need.

GET YOUR MONEY FAST

No queues and no need for awkward face to face meetings.

YOU’RE UNIQUE. SO IS YOUR RATE

Interest rates are based on your individual credit assessment – not one-size-fits-all.

100% ONLINE – 24/7

Once your loan is approved the money will be in your account in 1-3 business days.

Types of personal loans

Help for almost anything you need.

CAR LOANS

Got your eye on that new or used vehicle? Our auto loan can help get you out on the road.

EDUCATION

Worrying about paying for education is no help when you are trying to study. Reduce stress by covering expenses with an education loan.

DEBT CONSOLIDATION

A debt consolidation loan can replace your old debts with a single repayment designed for your personal circumstances.

HOLIDAY LOANS

Create memories with the trip of a lifetime. Visit family, a favorite travel destination, or somewhere you’ve always wanted to go.

BUSINESS LOANS

Whether you own a business or are starting a new one, a personalized business loan may help you kickstart your growth.

MEDICAL LOANS

A medical loan can take away the stress and worry of hospital expenses and allow you to solely focus on your health.

WEDDING LOANS

A wedding loan can help you achieve exactly what you have in mind for that special day.

HOME RENOVATION

A home improvement loan could help you achieve the living spaces that you have dreamed of having.