Harmoney Personal Loans, Interest Rates & Fees - Best Find

Filter Results


Personal loan amount

Term of personal loan

Features

Loan type

Personal loan provider

Harmoney Personal Loans

for $10,000 over 3 years
Harmoney
6.99%
7.69%
$324.16

Unsecured Personal Loan - Excellent Credit

Expand 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

Advertised rate6.99%

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 of22/02/2018

GO TO Harmoney

Comparison rate warning

Comparison rate(s) based on $30,000 unsecured loan, fixed over 5 years, with monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

GO TO Harmoney

Hide info ˄

RateSetter
8.16%
9.70%
$318.97

Personal Loan - 3 years

Expand info ˅

Borrow from $2,001 up to $45,000. Terms from 6 months to 5 years, no early repayment fees.

Overview

Minimum loan amount$2,001

Maximum loan amount$45,000

Minimum term (years)6 months

Maximum term (years)5 Years

Advertised rate8.16%

Comparison rate9.70%

Monthly repayments (approx)$318

Total repayments (approx)$11,482

Total interest repayments (approx)$1,482

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee0.7%

GO TO RateSetter

Other Fees & Information

Monthly fee$5

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleMonthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$30

For debt consolidation?No

Sponsored Yes

Telephone1300 768 710

Data accurate as of1/02/2017

GO TO RateSetter

Comparison rate warning

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

GO TO RateSetter

Hide info ˄

RACV
9.95%
10.48%
$334.30

Unsecured Personal Loans

Expand info ˅

From a big backyard patio extension or a brand new swimming pool, to a long-awaited retreat, to a tropical island and everything else in between, RACV secured personal loans can make your dreams happen sooner than you imagine.

Overview

Minimum loan amount$5,000

Maximum loan amount$35,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate9.95%

Comparison rate10.48%

Monthly repayments (approx)$334

Total repayments (approx)$12,034

Total interest repayments (approx)$2,034

Rate typeFixed

Secured or unsecuredSecured

Encumberance/REVVS check fee$0

Application / establishment fee$368

GO TO RACV

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleFortnightly, Monthly

Early repayments allowedYes

Early repayments fee$205

Missed payment fee$10

For debt consolidation?No

Sponsored Yes

Telephone13 15 60

Data accurate as of24/10/2017

GO TO RACV

Comparison rate warning

Comparison Rate calculated on a secured loan of $30,000 over a five year term based on monthly repayments. 

GO TO RACV

Hide info ˄

ANZ
10.99%
11.87%
$332.58

ANZ Fixed Rate Personal Loan

Expand info ˅

Our Fixed Rate Personal Loan gives you the certainty of knowing you’re protected from interest rate movements. You’ll always know how much your repayments are and how many repayments remain, which will help you budget.

Overview

Minimum loan amount$5,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate10.99%

Comparison rate11.87%

Monthly repayments (approx)$332

Total repayments (approx)$11,972

Total interest repayments (approx)$1,972

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$150

GO TO ANZ

Other Fees & Information

Monthly fee$10

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$680 pro-rata

Missed payment fee$20

For debt consolidation?Yes

Sponsored Yes

Telephone1800 801 485

Data accurate as of20/10/2017

GO TO ANZ

Comparison rate warning

This comparison rate is based on a $30,000 Personal Loan for a five year term. This rate is applicable for unsecured loans only. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

GO TO ANZ

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.

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:

  • Unsecured Personal Loan

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.