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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.
Did you know you can compare 100’s of personal loans? Browse, filter and on our main personal loans comparison page.
Compare and review Harmoney personal loan rates
Looking to make major purchase, go on a holiday or perhaps to consolidate your existing debts into one simple regular repayment? When comparing Harmoney personal loans, there are other important things to consider and understand, other than just Harmoney’s interest rates.
What personal loan options does Harmoney offer?
Harmoney has 1 personal loan product:
View the above table for detailed product information and a comparison of the interest rates, fees and features.
Do you have a Harmoney personal loans calculator?
Yes. Use the filter to adjust your loan amount and term to calculate your approximate monthly repayments. When you apply the filter, you will see a breakdown of your approximate monthly repayments as well as the total amount of interest and fees paid.
How to apply for a Harmoney Personal Loan?
If you’d like to apply online for a Harmoney personal loan, just scroll up and click on “GO TO SITE” to be taken to Harmoney’s secure online application form. Before you apply, be sure to learn about Harmoney’s personal products, fees and eligibility criteria. Give yourself around 30 minutes to complete the application.
Harmoney’s personal loan eligibility criteria
Before you apply for a personal loan, be sure to understand and meet the Harmoney’s lending criteria. Below is high-level overview of Harmoney’s criteria:
Harmoney’s minimum requirements for a personal loan
- Minimum age of 18
- Earn a minimum of $15,000 per annum
- An Australian citizen, permanent resident or have a valid visa
Information you’ll need to provide
Whether at the Harmoney branch or online, make sure to have the following nearby:
- Proof of income. A verifiable and steady employment. You may be required to provide copies of your most recent pay slips and employer’s contact information
- A list of your assets, expenses and liabilities
- Driver’s licence (if you have one) or other forms of ID
Are you self-employed?
If you’re self-employed, you will also need to provide:
- Financial statements for the last year
- Your most recent personal/business tax return
Other things to keeping mind when applying with Harmoney
- It’s advantageous to have a good credit history. For example, you have no recent defaults and no frequent requests for credit
- Credit cards with large credit limits are seen as liabilities, even if there’s nothing owing. If you have existing liabilities, be certain you can pay them off in addition to your Harmoney personal loan
There are many additional factors Harmoney consider when accessing your application, but the above are the most important. If you feel like you may not meet their eligibility criteria, it may be best to save!
What can you use a Harmoney personal loan for?
You can borrow for almost any worthwhile purpose. No, going to the casino and putting it all on black is not a worthwhile purpose.
Examples of common loan purpose Harmoney will lend for:
Additional product information
Harmoney’s minimum and maximum personal loan amounts and terms
You can borrow between $10,000 and $80,000. Over terms between 1 year and 7 years. Use our filter as a repayment calculator to see your monthly repayments and rates.
Harmoney’s repayment schedule
Harmoney allow weekly, fortnightly or monthly repayment.
Extra repayment or early penalties
Harmoney allows you to make additional or early repayments. There are fees associated with completely repaying your loan off early.
Redraw facility
Harmoney’s Variable Rate Personal Loan gives you the option of being able to make redraws.
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