Rating based on 23 reviews



  • Debt consolidation up to $20,000
  • Low-interest starting from 6.99%
  • Repayment up to 7 years

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Harmoney homepage

Author Harmoney. Screenshot of Harmoney website. [Accessed September 6, 2021]

About Harmoney

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

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

Safe online application

A quick assessment is needed to list your loan on the platform. 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 with no hassle.

We are ranked 15th in the Tech Pioneers Top 50 - The report was prepared by H2 Ventures, one of Australia’s leading venture capital firms. We have the support of Investec, a renowned specialist lender and asset manager.

Harmoney Services

New Zealand’s first licensed peer-to-peer lending marketplace that connects people who want to borrow money with those who wish to lend money. 

Total transparency and reliability

When dealing with us, you should know we are 100% open and transparent about our rates and fees. If you're thinking about getting a loan, you can check what interest rate will apply to you through our no-obligation loan application process and you won't be charged a platform fee until your debt consolidation loan is funded.

Consolidate your debt

An affordable debt consolidation loan from Harmoney can take the hassle out of borrowing, by combining your bills, personal loans, credit card payments, and other debt into one easy-to-manage loan, with a fixed interest rate and a regular repayment date in the calendar.

Harmoney Consolidation loan

  • Loan Type Debt consolidation
  • Interest Rate 6.99 – 29.95% p/a
  • Loan Amount up to $20,000
  • Repayment 1 years to 7 years

Benefits of Harmoney

  • 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 available to fulfil a multitude of expenses.

If you are approved for a debt consolidation loan, 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 simplified.

Unsecured vs secured personal loans

An unsecured loan doesn't require an asset as collateral. However, 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 their car or house). The asset is security against the loan – if you are unable to repay your debt, the security can be repossessed.

man holding thumbs up

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

Postal Address

  • PO Box 106-507, Customs Street, Auckland City, 1052, New Zealand

Opening Hours

  • not available