Inform us concerning the unsecured loan you want, then offer us with a few facts about your self along with your funds

Borrow as much as $50,000 unsecured

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

Our latest prizes

Just how can we assist?

Or pick another loan function

Just how to apply online

Step One. Get to know you

Step 2. Get your loan offer

We’ll present a loan that is detailed together with your interest rate, borrowing limit and repayments so that you can accept.

Step 3. Get your cash

Once you accept your estimate and supply some details that are final many people get their funds in 24 hours or less.

That which we provide

$2K – $50K

Loan restrictions

3 or 5 years

Loan terms

$275 or $575

Establishment charge

Early payment cost

  • 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 lifetime of the loan
  • You are able to repay regular, 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 account that is monthly costs

A reasonable and easy loan that is personal

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

Significantly more than a loan

Behind the scenes is an amiable and specific group prepared to reply to your concerns which help you finance your targets with an on-line loan.

Personalised rates

Get yourself a reasonable interest that’s personalised for you. Everybody’s needs will vary, and that’s why you’ll get an interest rate centered on your circumstances – not everybody else’s.

Simplified borrowing

Our 100per cent online procedure allows you to utilize for financing anytime, anywhere. Our interest levels and costs are really simple to realize, so you won’t have shocks.

Fast personal bank loan estimate

Utilize our loan that is personal calculator get a fast estimate regarding the prices and repayments you may anticipate for the online loan.

Typical unsecured loan concerns

That is Harmoney?

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

Today, we investment loans more usually, but our focus remains the exact exact exact exact same: to help make the borrowing experience fairer, faster and much more available and also to take away the inconvenience, awkwardness and doubt connected with old-fashioned borrowing.

Our function is always to assist and encourage individuals attain their objectives through financial loans which can be friendly, reasonable and easy to make use of. We all know that usage of cash in the right time can make a big huge difference so we think accountable financing is essential for helping people embrace the opportunities that life gift suggestions.

Is a unsecured loan effective for paying down credit debt?

An loan that is online the type of a debt consolidating loan could be an ideal way to settle credit debt as well as other debts, nonetheless it’s perhaps maybe maybe perhaps not suited to everybody.

Why make use of loan that is personal of extending my home loan?

Today, low interest for mortgages makes it tempting to boost home financing with additional financial obligation to save lots of you interest costs. It’s a choice that is worthwhile considering 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 a decision that is informed handling financial obligation:

Exactly what can i personally use a loan that is personal?

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

Debt consolidating, house improvements and renovations and car lease are popular 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 funds are 90 day installment loans keeping you straight straight straight back from attaining the things you prefer in life, speak with us about how exactly a loan that is personal help.

Am I going to be eligible for a Harmoney loan?

In brand brand New Zealand – to try to get a unsecured loan you have to:

  • Be 18 years or older
  • Be A permanent Resident or brand brand New Zealand citizen
  • Be making a stable earnings