Important disclosure

Harmoney Car Loans

There’s nothing more exciting than sliding behind the wheel of your new ride ahead of schedule. Harmoney car loans can give you this freedom and flexibility. Compare options from Harmoney below and calculate repayments to find an auto finance solution that puts you in control.

Calculate repayments

Our online marketplace makes applying for a personal loan easy. Do it at the time that suits you, without worrying about face-to-face meetings.

Overview

Application / establishment fees$500

Minimum loan amount$5,000

Maximum loan amount$70,000

Minimum term5 years

Maximum term5 years

Car loan interest rates (base)6.99%

Car loan comparison rate7.69%

Monthly repayments (approx)$593

Total repayments (approx)$35,633

Total interest repayments (approx)$5,633

Rate typeFixed

Secured or unsecuredUnsecured

GO TO Harmoney

Other Fees & Information

Monthly fee$0.0

Other fees$0

Missed payment fee$15

Repayment scheduleMonthly

Early repayments allowedYes

Exit / early repayment fee$0

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredNo

Telephone1300 042 766

Data accurate as of13.09.2017

GO TO Harmoney

Hide info -

Pay ZERO fees^ on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $15,000-$100,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. ^Charges such as default or enforcement costs may apply if you do not comply with the terms of your loan.

Overview

Application / establishment fees$0

Minimum loan amount$15,000

Maximum loan amount$100,000

Minimum term1.5 years

Maximum term7 Years

Car loan interest rates (base)4.45%

Car loan comparison rate4.45%

Monthly repayments (approx)$558

Total repayments (approx)$33,516

Total interest repayments (approx)$3,516

Rate typeFixed

Secured or unsecuredYes

GO TO Now Finance

Other Fees & Information

Monthly fee$0.0

Other fees$0

Missed payment fee$35

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Exit / early repayment feeYes

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredYes

Telephone1300 275 669

Data accurate as of21/02/2021

GO TO Now Finance

Hide info -

There's nothing quite like the thrill of buying a car, but one of the biggest challenges is finance. Ideally you'll want a car loan that offers flexibility and a low competitive rate, and is easy to apply for.

Overview

Application / establishment fees$399

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Car loan interest rates (base)4.99%

Car loan comparison rate5.69%

Monthly repayments (approx)$566

Total repayments (approx)$33,960

Total interest repayments (approx)$3,960

Rate typeFixed

Secured or unsecuredSecured

GO TO NRMA

Other Fees & Information

Monthly fee$0.0

Other fees$0

Missed payment fee$0

Repayment scheduleFortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$205 or 2% of outstanding balance (whichever the greater) at the time the final payout is made. Applies in the first three quarters of the original loan term only.

Encumberance/REVVS check fee$0

For used vehiclesNo

SponsoredYes

Telephone1300 732 398

Data accurate as of12/08/2020

GO TO NRMA

Hide info -

A quick and easy, 100% online application. No printing. No paper. No fuss. No monthly account keeping fees, no exit fees and no early repayment fees.

Overview

Application / establishment fees$250

Minimum loan amount$2,001

Maximum loan amount$75,000

Minimum term1 year

Maximum term7 years

Car loan interest rates (base)5.35%

Car loan comparison rate5.65%

Monthly repayments (approx)$570

Total repayments (approx)$34,257

Total interest repayments (approx)$4,257

Rate typeFixed

Secured or unsecuredSecured

GO TO OurMoneyMarket

Other Fees & Information

Monthly fee$0

Other fees$0

Missed payment fee$35

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$0

Encumberance/REVVS check fee$27

For used vehiclesYes

SponsoredYes

Telephone1300 990 115

Data accurate as of30/04/2021

GO TO OurMoneyMarket

Hide info -

NRMA used car loans can help you get one step closer to owning your dream pre-loved car.

Overview

Application / establishment fees$399

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Car loan interest rates (base)6.24%

Car loan comparison rate6.94%

Monthly repayments (approx)$583

Total repayments (approx)$35,000

Total interest repayments (approx)$5,000

Rate typeFixed

Secured or unsecuredSecured

GO TO NRMA

Other Fees & Information

Monthly fee$0.0

Other fees$0

Missed payment fee$0

Repayment scheduleFortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$205 or 2% of outstanding balance (whichever the greater) at the time the final payout is made. Applies in the first three quarters of the original loan term only.

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredYes

Telephone1300 732 398

Data accurate as of12/08/2020

GO TO NRMA

Hide info -

results per page

BestFind.com.au provides factual information in relation to financial products. While BestFind.com.au attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on BestFind.com.au is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with BestFind.com.au. BestFind.com.au recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see BestFind.com.au's Terms of Use and Services Guide.

Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 19.07% p.a. Total interest repayments vary between $4,290 and $14,531 over the life of the loan. *Comparison rate is based on an unsecured loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

What type of car loan are you looking for?

Harmoney car loans – Take the wheel with personalised credit

Harmoney can get your car dreams moving through a simple, fair, and friendly online application. The peer to peer lender has been renovating the financial services landscape since 2014. With just a few clicks, you can access their leading personal loan marketplace and match up with an investor willing to fund your wheels.

When you qualify for a Harmoney personal loan or car loan, you also get a personalised rate that matches your credit profile. Keep reading to find out if a Harmoney car loan is the right financial product to get you from point A to B.

Harmoney car loans at a glance

Disclaimer: Harmoney has integrated its car loans into its personal loan products. As such, a Harmoney car loan is simply a personal loan you apply for when you wish to buy a car.

  • Loan amounts – $2,000 to $50,000
  • Terms – 3 or 5 years
  • Interest rates – Range from 6.99%
  • Interest rate type – Fixed interest rate
  • Security – Unsecured personal loan
  • Pros – The product is 100% online, so you can apply for it in the comfort of your own home.
  • Cons – You have to pay a somewhat expensive establishment fee, depending on how much you’re borrowing.
  • Uses – Suitable for buying a new or used car, motorcycle, truck, as well as other legal purchases.
  • Best for – Borrowers with good credit since they’ll likely get a lower rate.

Features of Harmoney car loans

  • Customised rates. Once approved, you get a personalised rate that’s based on your individual credit assessment. The more creditworthy you are, the better your terms.
  • Pre-approval. Cash is king, and Harmoney gives you the power to negotiate your car deal by approving you ahead of time.
  • Fixed repayments. A fixed rate means you stay in control of your budget since there are no fluctuations or surprises.
  • Unsecured personal loan. Harmoney won’t ask to use your new car or any vehicle you own as security, so your car won’t be repossessed if you default.
  • Repayment frequency. Weekly, fortnightly, and monthly repayments are available.
  • Early repayments. You can reduce your loan term by making additional repayments to lower interest charges. What’s more, there are no early repayment penalties.
  • 100% online application. Harmoney has its doors open 24/7, and there are no queues to talk about. Simply hop online and apply.
  • Other features. You don’t need a deposit, plus you can use the funds to cover related on-road costs and insurance. However, make sure to use our Harmoney car loan calculator to check if you can afford the repayments before borrowing an extra amount. Also note that Harmoney car loans are designed for borrowers who need to, but haven’t yet purchased a car. If you need to refinance your car loan, consider applying for a Harmoney debt consolidation loan.

How much does a car loan from Harmoney cost?

Harmoney’s list of fees and charges includes the following:

  • Establishment fee of $275 for loans below $5K
  • Establishment fee of $575 for loans of $5K and above
  • Dishonour fee – $15
  • There are no monthly account or early repayment fees, but legal fees and other charges may apply.

Who can apply?

To apply for a Harmoney car loan in Australia, you must:

  • Be at least 18 years of age
  • Have Australian or New Zealand citizenship or be a permanent Australian resident
  • Have full-time or part-time employment
  • Supply photo ID documents such as a passport or driver’s licence
  • Not have any defaults, bankruptcies, or judgements listed in your credit report
  • Apply for at least $2,000

How to apply for a Harmoney car loan

Scroll up and click “Go to Site” for the product you want, then find the application form on Harmoney’s website. Provide details about yourself and your finances before submitting.

Harmoney will respond with an offer, and if you accept, you’ll be asked for the final details needed to process your loan. Harmoney says their customers typically receive the cash within 24 hours.

Popular car loan searches

View all popular car loans searches