Important disclosure

Harmoney Australia Limited

Unsecured Personal Loan (Excellent Credit) (5 Years Term)

Real Time Rating™

  • 5 years
  • Unsecured
  • Fixed Rate
  • No ongoing fees
Interest Rate

5.76%

p.a

up to 24.03%

Comparison Rate*

From

6.55%

p.a

up to 23.99%

Real Time Rating™
Tags
  • 5 years
  • Unsecured
  • Fixed Rate
  • No ongoing fees
Interest Rate

5.76%

p.a

up to 24.03%

Comparison Rate*

From

6.55%

p.a

up to 23.99%

Calculate your repayments for this loan

$

Your estimated repayment

$909

based on $30,000 loan amount for 3 years at 5.76%

Pros and cons

For Unsecured Personal Loan (Excellent Credit) (5 Years Term)

Benefits

  • No ongoing fees
  • Flexible repayment options
  • No security required
  • Can apply online
  • Use the loan for any worthwhile purpose
  • Fast time to funding

Drawbacks

  • Higher than average application fee
  • Cannot apply in branch

Harmoney Rate Personal loan overview

For Unsecured Personal Loan (Excellent Credit) (5 Years Term)

Details

Total repayments

Interest rate type

Fixed

Borrowing range

$2k - $5k

Security type

Unsecured

Loan term

5 years

Secured by

Loan type

Is Fully Drawn Advance

Repayment frequency

Weekly, Fortnightly, Monthly

Target Market Determination

Visit Harmoney Australia Limited to view Target Market Determination.

Features

Extra repayments

Yes

Redraw facility

Instant approval

Time to funding

24 hours

Fees

Upfront Fee

$275

Ongoing Fee

$0

Missed Payment Penalty

$15

Early Exit Penalty Fee

$0

Permitted Loan Purposes

New Car

Used Car

Motorcycle

Boat

Debt Consolidation

Renovation

Holidays

Medical Bill

Shares

Student Loan

Wedding

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Unsecured Personal Loan (Excellent Credit) (Amount > $5000)

Real Time Rating™
  • 3 to 5 years
  • Unsecured
  • Fixed Rate
  • No ongoing fees

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Interest Rate

5.76%

p.a

up to 24.03%

Comparison Rate*

From

6.55%

p.a

up to 24.99%

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Low Rate Personal Loan Secured (Excellent Credit)

Real Time Rating™
  • 1 to 7 years
  • Secured
  • Fixed Rate
  • No ongoing fees
Interest Rate

6.57%

p.a

up to 8.48%

Comparison Rate*

From

7.19%

p.a

up to 13.58%

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Low Rate Personal Loan Unsecured (Excellent Credit)

Real Time Rating™
  • 1 to 7 years
  • Unsecured
  • Fixed Rate
  • No ongoing fees

2024 Award Winner

Interest Rate

6.57%

p.a

up to 8.48%

Comparison Rate*

From

7.19%

p.a

up to 13.58%

FAQs

How long are $3000 loans?

Medium amount loans can be repaid between 16 days and 2 years. Many personal loans have terms between 1 year and 5 years, though some are as short as 6 months while others last for 10 years.

Generally, the shorter a loan’s term, the more expensive your regular repayments may be, but the less total interest you’ll pay. Loans with longer terms mean more affordable repayments, but more interest charges over the full term.