Harmoney Personal Loans

Harmoney is a prominent online lenders and is a current winner of Canstar’s Outstanding Value Awards across Personal Loans and Car Loans.

In its awards research, our analyst team noted Harmoney’s fast online approval process, competitive pricing, and customer-friendly loan terms, which include zero early repayment fees.

What personal loan options does Harmoney offer?

Here’s an overview of the loans offered by Harmoney:

• Long-term personal loans from $2000 to $100,000, over three, five or seven years
• Secured fixed rates from 9.89% p.a to 21.49% p.a. depending on the borrower’s credit rating
• Unsecured fixed rates from 7.99% p.a. to 24.99% p.a. depending on the borrower’s credit rating
• $150 establishment fee applies
• No monthly admin or early repayment fees

How do I apply for a Harmoney personal loan?

Harmoney’s business is 100% online, so to apply for a loan, simply visit the Harmoney website and click to begin the application process. You can also call Harmoney on 0800 427 666 on weekdays. Typical pieces of information you may need to include in your application include:

• Valid proof of identification, such as your passport or drivers licence
• Proof of income
• Your typical expenses such as rent/mortgage payments, household costs, insurance, etc
• Any current outstanding debts

You’ll also need to meet the following requirements:

• Be a person (i.e. not a company or other legal entity)
• Be a New Zealand citizen with a valid NZ driver licence or NZ passport
• Be over 18 years of age when applying

Compare Personal Loans with Canstar