Harmoney Personal Loans, Interest Rates & Fees - Best Find
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Harmoney Personal Loans

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 of22/02/2018

GO TO Harmoney

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We provide a range of flexible personal loans designed to suit your needs.

Overview

Minimum loan amount$5,000

Maximum loan amount$40,000

Minimum term (years)18 months

Maximum term (years)7 Years

Personal loan interest rates (base)8.95%

Personal loan comparison rate10.56%

Monthly repayments (approx)$333

Total repayments (approx)$12,020

Total interest repayments (approx)$2,020

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee4%, maximum $495

GO TO Now Finance

Other Fees & Information

Monthly fee$13

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 of26/06/2018

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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.