Harmoney are experts in peer-to-peer lending. Offering a quick solution if you need to borrow money. Unsecured loans up to $70,000 at competitive interest rates, managed 100% online, with access money within 24 hours

last updated on 2020-01-09 11:12:00



Harmoney offer a quick solution if you need a loan to consolidate debt, renovating your home, sort out your vehicle, planning a holiday, clear an overdraft, funeral expenses, wedding, education expenses or more.

Harmoney offer unsecured loans up to $70,000 at fair rates from 6.99% to 29.99% p.a.* Manage your loan easily 100% online with no paperwork, and if approved 99% of loans are funded within 24 hours.

Their innovative peer to peer lending model allows Harmoney to offer competitive lending rates.


How does Harmoney work?

Harmoney is one of New Zealand’s largest lending market places and operate a peer to peer lending model. This means you are borrowing money from “real” people.

Applying for a loan is easy – simply complete the borrowing process online. Harmoney will use the information you provide and your recent credit history, to calculate a personalised interest rate based on your circumstances. Once you accept your quote, you can share a bit about how you will use your loan – this will help lenders decide whether to invest in your loan or not.

Make your repayments directly to Harmoney and they’ll square things up with the lenders in their network.


How to apply for a loan with Harmoney

Harmoney keep things quick and simple if you want to apply for a loan. First, getting to know you, asking for a bit more information about your loan and some details about yourself and your finances. Second, Harmoney will provide a detailed quote with your interest rate, borrowing limit and repayments. Three, if you choose to accept 99% of loans are fully funded within 24 hours.


What is peer to peer lending?

Peer to peer lending matches people who want to incest with people who want to borrow through an online marketplace. Peer to peer lending platforms, like Harmoney, facilitate this process.

A key advantage of peer to peer lenders is that they can often offer lower interest rate loans to borrowers, and higher interest returns to lenders than traditional models.

Rate per annum

6.99% - 29.99%

Loan purpose

Car, education, travel, wedding

Loan amount

$1 000 - $70 000

Loan period

36 months - 60 months

Payment frequency


Establishment fee


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