Inform us concerning the loan that is personal want, then offer us with some information about your self as well as your funds
Borrow as much as $50,000 unsecured
Personalised prices from 6.99per cent ?(contrast price 7.79% )?
Our latest prizes
How do we assist?
Or choose another loan function
Simple tips to apply online
Step One. Get to know you
Step 2. Get your loan offer
We’ll provide a step-by-step loan offer together with your interest rate, borrowing limit and repayments for you yourself to accept.
Step 3. Get your cash
When you accept your estimate and offer some details that are final many people get their cash within twenty four hours.
That which we provide
$2K – $50K
3 or five years
$275 or $575
Early payment charge
- All loans are unsecured
- Prices from 6.99per cent – 25.69% p.a. ? (comparison price 7.79% – 26.65% p.a. ?)
- Your rate is fixed for the full life of the mortgage
- You are able to repay regular, fortnightly or monthly
- Establishment cost of $275 for loans under $5,000 ?
- Establishment charge of $575 for loans $5,000 and over ?
- No month-to-month account maintaining charges
A reasonable and easy loan that is personal
If usage of cash is holding you straight back, we’re here to assist
Significantly more than that loan
Behind the scenes is an agreeable and specialized group prepared to reply to your concerns which help you finance your aims with an on-line loan.
Get an interest that is fair that’s personalised to you personally. Everybody’s needs are very different, and that’s why you’ll get an interest rate predicated on your circumstances – not everybody else’s.
Our 100% online procedure allows you to try to get that loan when, anywhere. Our rates of interest and costs are really simple to realize, so you won’t have shocks.
Fast personal bank loan estimate
Make use of our unsecured loan calculator to get an instant estimate of this prices and repayments to anticipate for the online loan.
Typical unsecured loan concerns
That is Harmoney?
Harmoney established in 2014 as NZ’s first licensed peer-to-peer personal bank loan provider. Since that time, we’ve loaned more than $1.7 billion to over 50,000 borrowers both in Australia and brand brand New Zealand (March 2020).
Today, we investment loans more typically, but our focus continues to be the exact exact same: to help make the borrowing experience fairer, faster and much more available also to take away the inconvenience, awkwardness and doubt related to old-fashioned borrowing.
Our function is always to assist and encourage visitors to attain their objectives through lending options being friendly, reasonable and easy to utilize. We realize that usage of cash during the time that is right make an enormous huge difference therefore we think accountable financing is vital for helping people embrace the opportunities that life gifts.
Is a unsecured loan effective for paying down personal credit card debt?
An online loan in the type of a debt consolidating loan may be an ideal way to repay personal credit card debt as well as other debts, however it’s perhaps perhaps not suited to every person.
Why work with a unsecured loan rather of expanding my home loan?
Today, low interest for mortgages makes it tempting to improve home financing with additional financial obligation to truly save you interest costs. It’s an alternative that is worthwhile considering when you have equity, nonetheless it can occasionally turn out to be more expensive in the end.
We’ve written concerning the advantages and disadvantages of expanding your home loan, to assist you make a decision that is informed handling financial obligation:
Exactly what do I prefer a unsecured loan for?
Harmoney loans that are online extremely versatile and will be employed to fund most situations you wish to.
Debt consolidating, house improvements and renovations and motor finance are popular main reasons why individuals make an application for a unsecured loan. We additionally provide wedding loans, training loans and loans that are personal medical costs, home things, travel and vacations and much more.
If cash and funds are keeping you right right straight back from reaching the things you desire in life, speak with us on how a loan that is personal assist.
Am I going to be eligible for a Harmoney loan?
In 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 resident
- Be making an income that is stable