1. Home
  2. Personal Loans
  3. Companies
  4. Harmoney
Harmoney logo

Harmoney personal loans

Harmoney is a marketplace lender that facilitates personal loans to eligible customers.

Rather than letting people assess who is creditworthy, Harmoney utilises technology to assist investors in making data-driven decisions that may determine if they want to lend you money, and how much they may contribute. 

Harmoney was founded in New Zealand in 2014 and was the country’s first licensed marketplace lending website. It now also operates in Australia.

Other available products
Nick Bendel
Nick Bendel

Property & Personal Finance Writer

Content updated

Product data updated

Why choose Harmoney


  • Interest rate may be low
  • Extra repayments without penalty
  • No monthly fees


  • Interest rate may be very high
  • No branch access
  • No redraw facility

Harmoney Personal Loans

Personal Loans calculator

Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios.


Your estimated repayments


based on a $30,000 loan for 5 years at -

Total loan repayments


Total interest charged


About our expert

Did you find this page helpful?

^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.