Rating based on 77 reviews


  • Personal loans up to $70,000
  • Low-interest starting from 7.89%
  • Repayment up to 5 years

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Author Harmoney. Screenshot of Harmoney website.
[Accessed March 3, 2023]

About Harmoney

Harmoney is well known as the first peer-to-peer lending firm in New Zealand.

They provide clients with a top-class service by connecting them to highly regarded lenders in the NZ market. Clients can now apply for a loan for their personal loans using Harmoney's easy-to-use platform.

Get instant payout on your loans

The main benefit of applying for your loan online is that clients get instant payouts as soon as they are approved. They also don't have to deal with waiting in lines or working through mountains of paperwork.

Harmoney loans believe in responsible lending

Clients can be assured that they will receive loan options that benefit them financially because, as a registered provider, Harmoney only provides personal loans that customers can afford. All personal loans are structured according to the needs and budget of the application.

The benefits of a personal loan

Harmoney provides personal loans to NZ citizens who need help covering large payments for personal reasons. Personal loans can be used to pay off current debt with a debt consolidation loan or even cover the cost of getting home renovations. They are also perfect for paying expensive medical or student bills.

Harmoney Services

Harmoney provides financial products that are tailored to suit a variety of client needs. With the help of Harmoney's lending platform, clients can get a flexible loan that ranges between $2K - $70K.

Top of the range unsecured personal loans

With unsecured loans, applicants do not need to provide collateral to secure a loan; they simply need to prove they have enough income to cover the repayment over a certain term length. For this reason, clients are required to provide proof of a regular weekly or monthly income.

Get approved within minutes

Harmoney personal loans start at a low interest rate of 6.99% per year. The amount and term of the quick loan applied for determines the interest charged.  Clients can choose a term length between 3 to 5 to pay off their loan amount.

Personal loans with no hidden charges

All customers can feel assured that they will receive information about all charges before signing the contract as there are no hidden fees charged when applying for a Harmoney loan. Applicants can use the online personal loan calculator to see what their loan options are which includes information about the loan amount, term, and interest rate.

Harmoney – Personal loan

  • Loan Type Personal loans
  • Interest Rate 7.8923.99% p/a
  • Loan Amount up to $70,000
  • Repayment 3 years to 5 years
  • Initiation Fee $150

Benefits of Harmoney

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

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.

Choose between many unsecured personal loan options

Unsecured loans don't require clients to offer collateral to secure the loan.

Harmoney wants to ensure that all applicants can afford the loan they receive without the risk of losing an asset. Their short-term, low-interest personal loans are perfect for those in need of instant cash and who don't want to make a long-term commitment.

Loan repayments made easy

Clients have the option of making weekly, monthly, or fortnightly so that they can match up repayments with their income schedule. All personal loans at Harmony have fixed monthly rates and a fixed term to make it easy for applicants to budget for their repayments and monthly living expenses. 

Requirements for a personal loan in New Zealand

To apply for a personal loan, clients need to:

  • Be 18 years of age or older
  • Be a permanent resident or NZ citizen
  • Earn a stable income

Apply online at one of the top personal loan providers

Applicants only need to provide basic personal details and information about the loan amount when using the online application platform. Using only this basic information, Harmoney can quickly assess the client's eligibility and ability to service a loan.

Choose Harmoney for instant loan approval 

After completing the simple online loan application, clients will receive information about their eligibility, personal interest rate, and repayment conditions. As soon as applicants accept the offer, they will receive their cash payout within 24 hours of approval.

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Harmoney is a trusted & reliable provider of personal loans

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: FSP5904148

Customer Reviews & Testimonials

I had some unexpected medical bills pile up and I needed some extra funds to pay those off. Harmoney helped me do just that.

Sophie H.
— Auckland —

I enjoyed dealing with Harmoney, very competent staff, and good product.

Emma F.
— Invercargill —

Harmoney Contact

Physical Address

Postal Address

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

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday – Closed
  • Sunday – Closed