Rating based on 31 reviews


  • Personal loans up to $70,000
  • Low-interest starting from 6.99%
  • Repayment up to 5 years

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Author Harmoney. Screenshot of Harmoney website.
[Accessed May 2, 2023]

Harmoney – Let your money work for you

The Australian & New Zealand economics markets are conquered by some of the greatest lucrative financial service providers the world has to offer.

Mainly unopposed and fixed, the banks have gained huge proceeds while leaving Aussies and Kiwis with minimal in the way of another course of action.

Harmoney will revolutionise P2P lending

Peer-to-peer loaning marketplaces have been unsettling the customary finance market everywhere in the world by means of technology to minimise the cost of financial intermediation, and passing the profits to clients. They carried out the transformation to New Zealand in 2014, and now they're conveying it to Australia.

They erected Harmoney from the foundation and have produced an improved monetary experience. The reason they say it is enhanced is due to the fact that it’s branchless. Furthermore for the reason that it’s a clear, two-sided market as well as better because it’s not attentive on organisations, but on the general public.

Let them help you

With money, people can change their lives if only they realise that money has the power to work for them. The only time money will not work for you is when you don’t respect it. You need to realise that money can only change the mentality of an individual who is ready to transform.

They have confidence that peer to peer personal loans are altering the method that the world lends and capitalises in profits. They believe they have brought that change. With that said, the only thing that is left to say is… welcome to Harmoney.

Follow these 4 easy steps

The amount of money you borrowed as well as the time you have chosen to pay your credit advance plan will be chosen by the client.

However, Harmoney has a monthly repayment plan as far as personal loans are concerned. There are four steps in their personal loan process and these include:

Step 1: Apply for the personal loan

Debtors complete the swift and up-front advance application process.

Step 2: Assess the appropriateness of the client

Harmoney measures the fitness of each debtor and allocates an interest rate grounded on their individual conditions.

The circumstances will not be the same and that is why the interest rate will never be calculated in a similar manner.

Clients don’t earn the same salary and don’t have the same debts. Therefore, the calculations will not be derived from similar reasoning.

Step 3: Capitalise on the personal loan

Stakeholders select advances to advance in, spreading their resources diagonally from hundreds or even thousands of finances.

Step 4: Repay the personal loan

Debtors can then pay the scheduled fixed payments on their long or short-term loans, and depositors earn regular revenues.

Harmoney – Personal loan

  • Loan Type Personal loans
  • Interest Rate 6.9928.69% p/a
  • Loan Amount up to $70,000
  • Repayment 3 years to 5 years

Benefits of Harmoney

  • Personalised loan rates
  • Apply 100% online
  • Get approved fast

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Harmoney – It's easy to get a loan through them

They know how their clients hate paperwork. They have made things slightly easy by making everything online.

This way, you won’t have a ton of paper to sign. All you have to do is to answer the questions that you are asked and submit everything electronically.

The difference between investors and borrowers as far as marketplace lending

Giving Debtors a reasonable deal

  • Reasonable interest rates
  • Fast request and agreement
  • Support, without the negative approach
  • Flexibility, suitability and a smaller amount of paperwork
  • No concealed fees
  • Fast online loan application

Giving Savers better revenues

  • Predicted 11% risk-adjusted rate of return
  • Confirmed success and dependability of client credit
  • Succeeded risk
  • The divergence of your portfolio
  • Qualified and structured

You're self-employed. Can you apply for a Harmoney personal loan?

At Harmoney, they welcome everybody who is looking for a credit advance plan. Self-employed people will be granted a personal loan if they meet all the criteria they have for their loan application process.

Can you apply for a loan outside of business hours?

Although they work according to certain business hours, clients are welcome to apply outside of their business hours and they will attend to their quick loan application as soon as they open for business.

What happens if you can’t make a repayment?

In as much as they want to ensure that they all have a smooth ride relationship, they know that in some instances, it will be rather difficult. Therefore, when you can’t pay your loan on time, you have to notify them as soon as possible. A client will be liable for penalties for late payments.

Can you make extra repayments and maybe even pay out your loan earlier?   

They welcome customers who want to fulfil their loan applications earlier than their required date. In fact, they take pride in such customers because this gives them the impression that you don’t like being in debt.

man holding thumbs up

Harmoney is a trusted & reliable provider of personal loans

In our review, Harmoney adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Harmoney is a registered credit provider in Australia: ACL 474726

Customer Reviews & Testimonials

Harmoney understands that time is money and made sure to get me my loan amount within an hour of my application being approved.

Lionel J
— Sydney —

They helped structure a loan that was unique to my circumstances and made it possible for me to pay back the loan within 3 months.

Anthony M
— Hobart —

It is so simple to apply for a loan with Harmoney, it takes only minutes and not a lot of paperwork.

— Gold Coast —

Super affordable personal loan option with a killer interest rate.

Joey B
— Adelaide —

Harmoney Contact

Physical Address

Postal Address

  • 389/4 Young Street, Neutral Bay, NSW, Neutral Bay, 2089, NSW

Opening Hours

  • Monday Open – 24 hours
  • Tuesday Open – 24 hours
  • Wednesday Open – 24 hours
  • Thursday Open – 24 hours
  • Friday Open – 24 hours
  • Saturday Open – 24 hours
  • Sunday Open – 24 hours