Rating based on 45 reviews


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

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

About Harmoney

Let Harmoney student loans do the finances so that you can concentrate on your education.

Brighten the future of New Zealanders since 2014. By creating one of the largest marketplaces for personal loans in New Zealand, their vision is to help people reach their goals with easy-to-use, friendly, and fair financial products.

Harmoney has made it easier giving people options and choices, approved over $2 billion in loans to customers in New Zealand. Created jobs along the way, interacting with people to better themselves backed by big data, new technology, and responsible lending practice.

Experience Harmony’s different approach to loans, they assess all the information not just to check if you are creditworthy like normal finance companies and banks do.

Harmoney introduced peer-to-peer lending in NZ

This opened a new way to help customers, offering a service that brings lenders and borrowers together. Providing a better way to get a loan, and for lenders to receive good returns on money invested. Complete 100% online application 24 hours seven days a week, from the comfort of your home no interviews or meetings are needed.

Offering unsecured loans to New Zealanders ranging from $2,000 to $70,000. Affordable rates p.a. from 6.99% to 19.99% in NZ. This is how they become one of the largest lending platforms in New Zealand for personal loans. Providing a secure, fast, and easy way to apply for a loan online.

Harmoney Services

Get 100% online student loans to further your education.

Education costs can stack up quickly, the amounts they offer for a student loan start from $2,000 to $70,000 over 3 or 5 years, with a fixed rate starting from 6.99% to 19.99% p.a. with easy repayments weekly, fortnightly, or monthly.

The best way is to work out what your expenses will be for the following:

  • Study material and academic books can cost a lot.
  • Cost of education like the tuition fees.
  • Housing on campus.
  • Transport cost.
  • Study equipment like computers, printers, and the internet.

This makes it easier to manage your day-to-day expenses, and you know exactly what is covered with the student loan. Apply now and you can get your answer and if approved, funded in 24 hours. Now you can study without the financial stress.

Low rate debt consolidation loan

Managing all your debts can be hard to control. Consolidate your debts into one loan with one repayment schedule at a fixed rate and gain control of your financial life. Loans for up to $70,000 can be approved if you qualify.

All you need to do is provide Harmoney with information about your personal finances and goals you want to achieve with a Debt Consolidation Loan from them, they will then work out what they can offer you. Take that step and apply and see if you can receive a better deal.

Harmoney – Student loan

  • Loan Type Student loans
  • Interest Rate 6.9919.99% p/a
  • Loan Amount up to $70,000
  • Repayment 3 years to 5 years

Benefits of Harmoney

  • A simple loan application 
  • Apply 100% online
  • Affordable student loans

Student loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This student loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Apply for a Harmoney student loan, they are quick and reliable

How to apply for an online loan in New Zealand

The documentation for applying

  • Be 18 years plus.
  • New Zealand permanent resident.
  • The stable income you can prove.
  • To verify identity they accept, passport, license, or id.

Fast online application in easy steps

  1. Provide them with the necessary documents, the amount of money you need to borrow, and inform them of your current financial standing.
  2. Receive your personalized quote that will stipulate the amount they can offer you with the best possible interest rate and repayment amounts and terms.
  3. If you are happy with the quote, you can now accept it and supply them with any other information they mentioned.
  4. Once received they will process and fully fund your loan to your selected bank account within 24 hours.

The benefits of applying with Harmoney

  • Get a free quote with no credit score impact.
  • Rates from 6.99%.
  • Fixed rates for all loans.
  • Repayment from 36 to 60 months.
  • Early repayment of loan without penalties.
  • Approved loans funded within 24 hours.
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Harmoney is a trusted & reliable provider of student 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: FSP373486

Customer Reviews & Testimonials

I really liked Harmoney as they were willing to offer me a student loan without me needing to put down security or have someone co-sign my loan.

Rebekah A.
— Auckland —

Very affordable interest rate on my student loan, good service too. I would recommend them!

Robin H.
— Auckland —

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