Rating based on 23 reviews


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

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Harmoney homepage
Author Harmoney. Screenshot of Harmoney website.
[Accessed March 7, 2023]

About Harmoney

Harmoney was founded with the aim of enhancing the lending industry and by doing so, they have been introducing a marketplace finance model that changes the way New Zealanders think about money, for good.

Their marketplace provides a simple way to access a variety of loans online - including debt consolidation loans, personal loans, and car loans.

Safe online application

They will request a quick assessment from you, which will allow them to add you to their list of clients. This is a legal requirement but it's also for your protection - both to ensure that you can afford the loan and also to ensure that no fraudulent activity is possible. This process is 100% online, so you can complete it within no time and without a hassle.

Harmoney is ranked 15th in the Tech Pioneers Top 50. The report was prepared by H2 Ventures, one of Australia’s leading venture capital firms, they have also received the support of Investec, a renowned specialist lender, and asset manager to back them up regarding any inquiries.

Harmoney Services

New Zealand’s first licensed peer-to-peer lending marketplace introduces the borrowers to their lenders. 

Transparent debt consolidation loans 

When dealing with Harmoney, you should know they are 100% open and transparent regarding their rates and fees. If you're thinking about getting a loan, you can check what interest rate will apply to you through their loan application process and you won't be charged a platform fee until your debt consolidation loan is funded. You can rely on Harmoney to get you the loan you need as well as a loan you can afford.

Merge your debts into one single loan

An affordable debt consolidation loan from Harmoney can make life so much easier for you, by combining your bills, personal loans online, credit card payments as well as other debt into one easy-to-manage loan. With a fixed interest rate and a regular repayment date on the calendar for your debt consolidation loan, it will make the process so much easier for you to handle.

Harmoney – Consolidation loan

  • Loan Type Debt consolidation
  • Interest Rate 6.9929.95% p/a
  • Loan Amount up to $70,000
  • Repayment 3 years to 5 years

Benefits of Harmoney

  • A simple loan application 
  • Apply 100% online
  • Fixed loan terms
  • Unsecured debt consolidation loans

Get on top of your debt with a debt consolidation loan from Harmoney

Harmoney is an award-winning New Zealand lender that offers a variety of loans that is available to fulfill multiple expenses.

If you get approved for a debt consolidation loan NZ, you could use your affordable debt consolidation loan to pay off your existing credit cards, personal loans, and hire purchases, and with just one loan provider and one regular payment to deal with, your regular bills will be so much less than the previous bill.

Secured and unsecured personal loans

An unsecured loan doesn't require an asset as collateral. Therefore, all their peer-to-peer personal loans are unsecured. A secured personal loan is backed by an asset that you either own or have equity in (like a car or house). The asset is security against the loan – if you are unable to repay your debt, the security can be repossessed in order to pay up your loan within the given time period.

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Harmoney is a trusted & reliable provider of debt consolidation

In our review, Harmoney adheres to the compliance criteria in accordance with the Credit Contracts and Consumer Finance Act 2003, where the granting the loan will not cause financial distress to the consumer.

✅ Harmoney is a registered credit provider in New Zealand: FSP373486

Customer Reviews & Testimonials

Harmoney is great, I was able to apply for my loan online, they paid out the funds the next day. I was able to pay off my multiple debts and focus on one repayment.

Kyron P
— Tauranga —

The interest rate I was offered from Harmoney was lower than the rates I had with each of my individual debts, that means I was actually "saving" money so I could pay off my loan faster.

Nikki B
— Napier —

Harmoney Contact

Physical Address

  • 79 Carlton Gore Road, Newmarket Auckland Region 1023 New Zealand
  • Get Directions

Postal Address

  • PO Box 106-507, Customs Street, Auckland City, 1143, New Zealand

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