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Home > Personal Loans > Harmoney Personal Loans
Important disclosure

Harmoney Personal Loans

Need to borrow money at a lower rate? Harmoney is a peer to peer lender that promises better luck and fairer terms than banks. Compare Harmoney personal loans in Australia, calculate repayments, and apply online to get an offering that’s tailored to your credit score.

Calculate your repayments

Company
Product
Name
Advertised
Rate
Comparison
Rate
Monthly
Repayment

Unsecured Personal Loan - Excellent Credit

Harmoney
Unsecured Personal Loan - Excellent Credit
6.99% Advertised Rate (p.a)
7.69% Comparison Rate (p.a.)
$324.16 Monthly Repayment
GO TO SITE

View fees & additional info +

Get what you want, without breaking the bank. Fast, easy & 100% online. No hidden fees or early repayment penalties.

Overview

Minimum loan amount$5,000

Maximum loan amount$70,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Personal loan interest rates (base)6.99%

Personal loan comparison rate7.69%

Monthly repayments (approx)$324

Total repayments (approx)$11,669

Total interest repayments (approx)$1,669

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$500

GO TO Harmoney

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$15

For debt consolidation?Yes

Sponsored No

Telephone1300 042 766

Data accurate as of21/12/2018

GO TO Harmoney

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Featured personal loans

NOW Finance Unsecured No Fee Personal Loan

Now Finance
NOW Finance Unsecured No Fee Personal Loan
5.95% Advertised Rate (p.a)
5.95% Comparison Rate (p.a.)
$303.99 Monthly Repayment
GO TO SITE

View fees & additional 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 $8,000-$50,000. 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. Comparison rate can vary from 5.95% to 17.95%

Overview

Minimum loan amount$8,000

Maximum loan amount$50,000

Minimum term (years)1.5 years

Maximum term (years)7 Years

Personal loan interest rates (base)5.95%

Personal loan comparison rate5.95%

Monthly repayments (approx)$303

Total repayments (approx)$10,943

Total interest repayments (approx)$943

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$0

GO TO Now Finance

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored Yes

Telephone1300 275 669

Data accurate as of23/02/2021

GO TO Now Finance

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Low Rate Personal Loan (Fixed, Unsecured) - Excellent Credit

OurMoneyMarket
Low Rate Personal Loan (Fixed, Unsecured) - Excellent Credit
6.29% Advertised Rate (p.a)
6.54% Comparison Rate (p.a.)
$313.17 Monthly Repayment
GO TO SITE

View fees & additional info +

OurMoneyMarket offer competitive low rates on loans up to $50,000, plus free extra repayments and fee-free redraw facility.

Overview

Minimum loan amount$2,001

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)7 Years

Personal loan interest rates (base)6.29%

Personal loan comparison rate6.54%

Monthly repayments (approx)$313

Total repayments (approx)$11,274

Total interest repayments (approx)$1,274

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$250

GO TO OurMoneyMarket

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored Yes

Telephone1300 990 115

Data accurate as of30/04/2021

GO TO OurMoneyMarket

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MoneyMe Personal Loan - Excellent Credit

MoneyMe
MoneyMe Personal Loan - Excellent Credit
6.25% Advertised Rate (p.a)
7.64% Comparison Rate (p.a.)
$320.77 Monthly Repayment
GO TO SITE

View fees & additional info +

Fast and easy online application. Money can be in your account same-day. Flexible repayments with no early exit fees. Comparison interest rates from 7.64% to 13.32% p.a.

Overview

Minimum loan amount$2,100

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)5 years

Personal loan interest rates (base)6.25%

Personal loan comparison rate7.64%

Monthly repayments (approx)$320

Total repayments (approx)$11,547

Total interest repayments (approx)$1,547

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$495

GO TO MoneyMe

Other Fees & Information

Monthly fee$10

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleFortnightly/Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$15

For debt consolidation?Yes

Sponsored Yes

Telephone1300 329 037

Data accurate as of03.03.2021

GO TO MoneyMe

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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 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 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.

Need help choosing the right loan?

Get a multi award-winning personal loans broker, to help select the right loan for you.

Australia-wide personal loans completed online or via the telephone (no need for any face-to-face meetings).

Monday to Friday, 9am – 6pm AESTs

An account manager will contact you within 3 hours of your enquiry.

Call 1300 884 355
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What type of loan are you looking for?

Harmoney personal loans for Aussies – Borrow the simpler way

Harmoney is a P2P provider that offers fair and simple solutions to your finance needs. No matter the loan purpose, they can help speed up your goals and plans. Use our Harmoney personal loan guide to navigate the online world of Australian peer to peer lending, where you borrow straight from investors, minus the banks. If you’re creditworthy, this finance provider has some low-rate deals for you.

What Harmoney offers

  • Borrowing limits: Between $2,000 and $50,000
  • Repayment periods: From 3 to 5 years
  • Interest rate: From 6.99%
  • Interest rate type: Fixed
  • Comparison rate: 7.79%
  • Loan type: Unsecured personal loan

What’s good about Harmoney?

  • Simple online application. You can get a Harmoney personal loan 100% online, to save on both time and costs. The P2P lender also makes the paperwork easier by using automated bank statement retrieval and credit files.
  • Fast funding. Most borrowers receive cash in their account within 24 hours after accepting their quote and providing the final details. This can be a lifesaver when you need to pay for urgent car repairs, a sudden trip to the doctor or other emergencies.
  • Fewer fees. Harmoney is transparent with their fees and charges, and the good news is you won’t have to pay any monthly account keeping fees or early repayment fees. Without early repayment penalties, it’s possible to exit early and reduce costs even if you end up with a higher rate.
  • Flexible repayment options. Although monthly repayments are more common among lenders, Harmoney also allows you to opt for weekly or fortnightly payments. Because you have more choices, it’s easier to match your payment schedule to your cash flow or lifestyle.

Disadvantages of Harmoney personal loans

  • Establishment fee. Harmoney’s establishment fee is heftier than most banks, and it increases for amounts over $5,000.
  • Not suitable for bad credit borrowers. Due to the risk-based interest rate, higher-risk borrowers may not qualify if their recent credit history is unsuitable.

Features of Harmoney personal loans in Australia

  • Tailored interest rates. Every borrower wants what’s fair, and Harmoney makes sure you get a unique rate that matches your circumstances, instead of a one size fits all deal.
  • No security required. Not having to provide collateral means your assets are safe in case of missed or late repayments. The application process is also quicker and requires less paperwork.
  • Loan cancellation. If you decide a Harmoney loan is not for you after receiving the funds, you can still withdraw or cancel the deal at no extra cost during the first 7 business days.
  • Limited loan terms. Harmoney only offers terms of 3 to 5 years while some lenders offer terms of between 1 and 7 years. Having less time to pay generally means your repayments will be larger.
  • Minimum amount. You can only borrow starting from $2,000, so if you need a small personal loan, you might have to borrow more than you need.

What you can do with a personal loan from Harmoney

Since you can borrow $2,000 up to $50,000, there are many instances where you can put a Harmoney personal loan to work. This includes the following:

  • Debt consolidation
  • Home renovation
  • Holiday and travel
  • Car or boat purchase
  • Funeral expenses
  • Wedding costs

Harmoney fees and rates

Harmoney’s interest rates are between 6.99% p.a. to 25.69% p.a (comparison rate 7.79% – 26.65% p.a). You can find out the rate you qualify for via their no obligation loan application. Although you won’t have to pay early repayment or ongoing monthly fees, the cost of borrowing from Harmoney includes a $275 establishment fee for amounts below $5,000.

Above that, you pay $575. This is an upfront, one-off fee that’s deducted when your loan is settled. You may also have to pay dishonour and legal fees where applicable.

What you need to qualify

  • Be at least 18 years old
  • Be a permanent Australian or New Zealand resident
  • Have full time or permanent part time employment
  • Provide photo ID documents such as valid driver’s licence or passport
  • Have a clean credit report with no bankruptcies, defaults, or judgements
  • Apply for a minimum amount of $2,000

How to apply for a Harmoney personal loan

You can submit your online application through BestFind by doing the following:

  • Click “Go to Site” so you can reach Harmoney’s website.
  • Provide details about the loan of your choice, your circumstances, and your finances.
  • Get a detailed offer with a personalised interest rate, borrowing limit, and repayment amount.
  • Accept the quote, provide the final details and expect the funds within 24 hours.

More about Harmoney

Harmoney first came on the scene in 2014 as New Zealand’s first peer-to-peer lender. Harmoney’s game plan is to offer a smoother and more straightforward borrowing experience than traditional lenders.

This is mainly achieved using a mix of technology and science that removes any bias from their offerings. Since March 2020, this personal loan provider has loaned over 1.7 billion to more than 50,000 Aussie and New Zealand borrowers.

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