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Unsecured Personal Loan (Excellent Credit)

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Customise your loan summary by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Unsecured Personal Loan Pros and Cons

Pros:
  • No early exit penalty
  • Can apply online
Cons:
  • Application fee charged
  • Cannot apply in branch

Harmoney Unsecured Personal Loan Fees and Features

New Car
New Car
Used Car
Used Car
Motorcycle
Motorcycle
Boat
Boat
Student Loan
Student Loan
Debt Consolidation
Debt Consolidation
Renovation
Renovation
Shares
Shares
Holidays
Holidays
Medical Bill
Medical Bill
Wedding
Wedding
Upfront Fee
Upfront Fee
$500
Ongoing Fee
Ongoing Fee
$0
Early Exit Penalty Fee
Early Exit Penalty Fee
$0
Missed Payment Penalty
Missed Payment Penalty
$15
Redraw Activation Fee
Redraw Activation Fee
N/A
Repayment Type
Repayment Type
Fixed
Loan Type
Loan Type
Unsecured
Secured by vehicle
Secured by vehicle
Secured by property
Secured by property
Security by bank deposits
Security by bank deposits
Available to 457 Visa Holders
Available to 457 Visa Holders
Redraw Facility
Redraw Facility
Extra Repayments
Extra Repayments
Line of Credit
Line of Credit
New Car
New Car
Used Car
Used Car
Motorcycle
Motorcycle
Boat
Boat
Student Loan
Student Loan
Debt Consolidation
Debt Consolidation
Renovation
Renovation
Shares
Shares
Holidays
Holidays
Medical Bill
Medical Bill
Wedding
Wedding
Upfront Fee
Upfront Fee
$500
Ongoing Fee
Ongoing Fee
$0
Early Exit Penalty Fee
Early Exit Penalty Fee
$0
Missed Payment Penalty
Missed Payment Penalty
$15
Redraw Activation Fee
Redraw Activation Fee
N/A
Repayment Type
Repayment Type
Fixed
Loan Type
Loan Type
Unsecured
Secured by vehicle
Secured by vehicle
Secured by property
Secured by property
Security by bank deposits
Security by bank deposits
Available to 457 Visa Holders
Available to 457 Visa Holders
Redraw Facility
Redraw Facility
Extra Repayments
Extra Repayments
Line of Credit
Line of Credit

Compare and review personal loans with similar features

Interest Rates
Advertised Rate
Advertised Rate
From
7.50%
fixed
Advertised Rate
8.69%
fixed
Advertised Rate
From
8.95%
fixed
Advertised Rate
From
10.49%
fixed
Comparison Rate
Comparison Rate
7.92%
Comparison Rate
11.24%*
Comparison Rate
10.56%
Comparison Rate
11.07%
Monthly Repayment
Monthly Repayment
$933
Monthly Repayment
$950
Monthly Repayment
$953
Monthly Repayment
$975
Total Repayments
Total Repayments
$33,588
Total Repayments
$34,200
Total Repayments
$34,308
Total Repayments
$35,100
Loan amount
Loan amount
$5k to $50k
Loan amount
$2k to $45k
Loan amount
$5k to $40k
Loan amount
$5k to $50k
Loan Fees
Upfront Fee
Upfront Fee
3%
of loan amount
Upfront Fee
$220
Upfront Fee
$495
Upfront Fee
4%
of loan amount
Ongoing Fee
Ongoing Fee
$0
Ongoing Fee
$5 monthly
Ongoing Fee
$13 monthly
Ongoing Fee
$0
Early Exit Penalty Fee
Early Exit Penalty Fee
$0
Early Exit Penalty Fee
$0
Early Exit Penalty Fee
Fee Applies
Early Exit Penalty Fee
$0
Missed Payment Penalty
Missed Payment Penalty
$35
Missed Payment Penalty
$25
Missed Payment Penalty
$35
Missed Payment Penalty
$35
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Harmoney is a marketplace lender that offers peer-to-peer lending.

Rather than applying to a bank and waiting for your personal loan to be approved, you apply online at Harmoney and investors can individually decide if they want to lend you money and how much they’ll 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.

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