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PERSONAL LOANS

Personal loans to start almost anything.


Won't affect your credit score

Our latest awards
Finder Award Highly Commended RGB
Finder Award Winner 2019 RGB
Best Excellent Credit Personal Loan 8
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innovation award
Harmoney ranks in Top 10 2023 AFR Most Innovative Awards

We've been recognised a second time as one of the Most Innovative Companies in Australia by the Australian Financial Review (AFR) appearing in the Top 10 for the prestigious 2023 AFR BOSS Most Innovative Companies Awards in the banking, super & financial firms category.

What our customers say

5.0 Been using harmoney for years and love it. australia
5.0 Applying for a loan was quick, easy and painless. australia
5.0 Harmoney is fast, easy to use and totally hellpful! australia
5.0 speedy, professional service, and helpful to customers, thanks Harmoney.

achiles
australia
5.0 Never had an issue with Harmoney, would recommend australia
5.0 This is my second time getting a loan through Harmoney and once again the process has been simple and stress free. They’ve taken such a weight of my shoulders enabling me to get a loan and I am grateful. australia
5.0 I think harmony is very helpful australia
5.0 Great service. Fast and effortless. I would highly recommend Harmoney! australia
5.0 Harmoney always makes things so easy thank you so much australia
5.0 Harmony were very professional and made this application very easy, australia
5.0 Always a pleasure to apply with Harmoney. Very nice experience. australia
5.0 I am very satisfied with harmoney australia
5.0 Harmony have always being good to me so I have no problem with being a happy customer australia
5.0 Great company easy loans resinable interest australia
5.0 Pretty drama free when doing loans australia

Simple, 100% online

1. Get to know you

Tell us about your loan and provide us some details about yourself and your finances.

2. Get your quote

We provide you with your loan terms, your interest rate, borrowing limit, and repayments.

3. Get your money

Accept your loan terms and provide some final details. Most loans are fully funded within 24 hours.

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
  • Fixed rates from 5.76%² (comparison rate 6.55%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

Find out more about our rates and fees

Get a quick estimate

Get a quick idea of your interest rate and your repayments using our personal loan calculator.

Get the loan that works for you

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

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GET YOUR MONEY FAST

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

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YOU'RE UNIQUE. SO IS YOUR RATE

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

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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.

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CAR LOANS

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

Find out more

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EDUCATION

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

Find out more

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DEBT CONSOLIDATION

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

Find out more

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HOLIDAY LOANS

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

Find out more

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BUSINESS LOANS

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

Find out more

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MEDICAL LOANS

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

Find out more

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WEDDING LOANS

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

Find out more

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HOME RENOVATION

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

Find out more

We're real people and here if you need us

If you need help, just give us a call on 1300 042 766 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

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