Inform us concerning the unsecured loan you want, then offer us with a few facts about your self along with your funds

Inform us concerning the unsecured loan you want, then offer us with a few facts about your self along with your funds

Borrow as much as $50,000 unsecured

Personalised prices from 6.99per cent ?(contrast price 7.79% )?

Our latest honors

Just how can we assist?

Or choose another loan function

How exactly to apply online

Step one. Get to know you

Step 2. Get your loan offer

We’ll provide you with a loan that is detailed along with your interest rate, borrowing limit and repayments for you yourself to accept.

Step 3. Get your hard earned money

Once you accept your estimate and offer some last details, people get their funds in 24 hours or less.

That which we provide

$2K – $50K

Loan limitations

3 or five years

Loan terms

$275 or $575

Establishment charge

Early payment charge

  • All loans are unsecured
  • Prices from 6.99per cent – 25.69% p.a. ? (comparison price 7.79% – 26.65% p.a. ?)
  • Your price is fixed when it comes to full lifetime of the mortgage
  • It is possible to repay regular, fortnightly or month-to-month
  • Establishment cost of $275 for loans under $5,000 ?
  • Establishment cost of $575 for loans $5,000 and over ?
  • No account that is monthly costs

A good and easy loan that is personal

If use of cash is keeping you straight straight straight back, we’re here to greatly help

Significantly more than that loan

Behind the scenes is an amiable and specialized group willing to reply to your concerns which help you finance an online loan to your goals.

Personalised prices

Get a reasonable interest that’s personalised for you. Everybody’s needs are very different, which explains why you’ll get an interest rate centered on your circumstances – not every person else’s.

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Simplified borrowing

Our 100per cent online procedure allows you to utilize for that loan when, anywhere. Our rates of interest and costs are really simple to realize, so you won’t have shocks.

Fast personal bank loan estimate

Utilize our loan that is personal calculator get an instant estimate of this prices and repayments to anticipate for the online loan.

Typical unsecured loan concerns

That is Harmoney?

Harmoney established in 2014 as NZ’s first licensed peer-to-peer personal bank loan provider. Since that time, we’ve loaned more than $1.7 billion to over 50,000 borrowers both in Australia and New Zealand (March 2020).

Today, we investment loans more typically, but our focus continues to be the exact exact same: to help make the borrowing experience fairer, faster and much more available and also to eliminate the inconvenience, awkwardness and doubt related to conventional borrowing.

Our function is always to assist and motivate individuals to attain their objectives through financial loans which can be friendly, reasonable and easy to utilize. We realize that usage of money in the right time can make an enormous distinction and now we think accountable financing is vital for helping people embrace the opportunities that life gifts.

Is a unsecured loan effective for paying down credit debt?

An loan that is online the type of a debt consolidating loan could be an ideal way to settle credit debt along with other debts, however it’s maybe perhaps maybe maybe not suited to everyone else.

Why make use of a personal bank loan rather of expanding my home loan?

Today, low interest for mortgages makes it tempting to improve a home loan with additional financial obligation to save lots of you interest costs. It’s a choice that’s worth taking into consideration it can sometimes end up being more costly in the long run if you have equity, but.

We’ve written concerning the benefits and drawbacks of expanding your home loan, that will help you make a decision that is informed handling financial obligation:

Exactly what can i take advantage of a unsecured loan for?

Harmoney online loans are really versatile and may be employed to fund just about anything you need to.

Debt consolidating, house improvements and renovations and car lease are popular factors why individuals submit an application for a loan that is personal. We additionally provide wedding loans, training loans and signature loans for medical costs, items for your home, travel and holiday breaks and much more.

If cash and funds are keeping you right straight straight back from attaining the things you need in life, speak to us regarding how a loan that is personal assist.

Am I going to be eligible for a a Harmoney loan?

In brand brand brand New Zealand – to use for a loan that is personal want to:

  • Be 18 years or older
  • Be A permanent Resident or brand brand brand New Zealand resident
  • Be making a stable earnings