Important disclosure

Harmoney Australia Limited

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

Real Time Rating™

  • 3 to 5 years
  • Unsecured
  • Fixed Rate
  • No ongoing fees

2024 Award Winner

Interest Rate

5.76%

p.a

up to 24.03%

Comparison Rate*

From

6.55%

p.a

up to 24.99%

RateCity says

“Borrow up to $50,000 without being stung with pesky monthly account keeping fees.”

Real Time Rating™
Tags
  • 3 to 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 24.99%

Go to site
More detailsmore-details

Australian Credit Licence 474726Fees & charges apply

Calculate your repayments for this loan

$

Your estimated repayment

$333

based on $11,000 loan amount for 3 years at 5.76%

Pros and cons

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

Benefits

  • No ongoing fees
  • Flexible repayment options
  • No security required
  • Can apply online
  • Use the loan for any worthwhile purpose
  • Fast time to funding
  • Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2024

Drawbacks

  • Higher than average application fee
  • Cannot apply in branch

Harmoney Rate Personal loan overview

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

Details

Total repayments

Interest rate type

Fixed

Borrowing range

$5k - $70k

Security type

Unsecured

Loan term

3 to 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

$575

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

How to apply

If you'd like to apply for this product or just get more information, follow the application process on Harmoney.

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.