Rating based on 1,157 reviews


image of Harmoney
image of Harmoney

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.

Services – Harmoney

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.

Interest Rate

From 0 %

To 0 % Per annum

Loan Amount



Repayment Term

0 years

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Summary of Services

  • DEBT consolidation
  • CAR loans
  • HOME improvements
  • BUSINESS Loans

Here’s a short video about Harmoney

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.

Customer Reviews & Testimonials

 Contact Details

308 Parnell Rd, Parnell, Auckland Region, 1052, New Zealand
Ph: +64 800 427 666
Em: investorservices@harmoney.co.nz

 Postal Address

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