Rating based on 19 reviews



  • Low-interest starting from 6.99%
  • Peer-to-peer lending up to $50,000
  • Repayment up to 60 months

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Harmoney homepage

Author Harmoney. Screenshot of Harmoney website. [Accessed May 23, 2018]

About Harmoney

Harmoney is New Zealand's first and most popular peer-to-peer lending platform.

With over $300 million of personal loans having been provided to Kiwis over the last few years - Harmoney has achieved its goal of changing the way that people think about lending.

Using Harmoney is just better

If you're as tired of big banks charging high prices, then you're simply going to love Harmoney. They're a peer-to-peer lending platform that matches borrowers with lenders and cuts out the nasty middle man we've all become so accustomed to.

Putting your trust in a service provider that has been a Canstar award-winner for 7 years in a row might just be the best decision you will ever make.

Why their rates are better

As a peer-to-peer platform, they operate entirely online - which means you never have to deal with queues, paperwork, or difficult bank staff to get a competitive quick loan. Since they operate online, they have very few operational costs and can, therefore, afford to offer you the rates that they do.

What Harmoney can offer you

At Harmoney you can get a competitively priced personal cash loan that ranges from $2,000 to $70,000 - 100% online.

These competitive loans are not provided by them directly but by everyday people just like you who have made a decision to invest their money with Harmoney.

Simply a better way to borrow

They allow borrowers to apply for a loan online and offer rates as low as 6.99% with loan amounts up to $70,000. If you want a faster, cheaper, and more flexible quick cash loan then turn away from that profit-driven bank and choose Harmoney.

They have quick Short-term loan solutions

With a guaranteed 24-hour loan approval and a simple online loan application - getting a peer-to-peer loan with Harmoney is as easy as can be!

Harmoney practices responsible lending

They will never allow a client to take a loan that is way above their budget. They take reasonable financial care to ensure that you can afford your credit plans as they are a financial provider that cares.

Harmoney Product Details

  • Loan Type Peer-to-peer lending
  • Interest Rate 6.99 – 29.99% p/a
  • Loan Amount up to $50,000
  • Repayment 36 months to 60 months

We have quick short-term loan solutions

Once you know how much you want to borrow you can proceed to fill in their online loan application form which should only take you a couple of minutes.

Although their loans are more flexible, they are a registered credit provider and all loans are subject to lending criteria and affordability assessments.

Step 1:

First you will need to provide them with your financial and personal details as well as details about the loan you are looking for, so they can have a better idea of your profile.

Step 2:

They will then give you a breakdown of your loan, its terms, repayments, and limits.

Step 3:

Once you are happy to accept their offer, they will get you your money within 24 hours.

My information will be protected

The reason they need personal information during your peer-to-peer lending is so that they can verify your information. Should they find that the information you have given to them doesn’t correspond with your real credentials, they will have to decline your loan application.

Such actions are considered fraud and you may never get a credit application approved with Harmoney. Many customers think that when they are not truthful about certain information, it increases their chances of being granted a loan and they will never find out. This is not the case; they have to do their own investigations as well.

Peer-to-peer lending you can rely on

Their main goal is to provide New Zealanders with the best deals at the lowest prices. Ultimately making NZ a better place for millions is what they aim for and they do this by offering finance with a difference.  

Benefits of getting a loan through Harmoney

  • Very little costs are involved.
  • Low-interest rates.
  • Fast and reliable.
  • Safe and secure.
  • Better deals than you would get anywhere else.
  • You can apply 100% online.
  • Enjoy a fixed rate for the lifetime of your loan.
  • All their loans are unsecured.
  • With them, you can borrow up to $70,000 over a maximum of 7 years.
man holding thumbs up

Harmoney is a trusted & reliable provider of peer-to-peer lending

In our review, Harmoney adheres to the compliance criteria in accordance with Credit Contracts and Consumer Finance Act (CCCFA), where the granting the loan will not cause financial distress to the consumer.

Harmoney is a registered credit provider in New Zealand: FSP373486

Customer Reviews & Testimonials

February 2020

The interest rates at Harmoney for peer to peer are quite reasonable and affordable.

Everthan Y
— Herekino —

March 2020

The peer to peer loan system that Harmoney uses is convenient. The entire credit request was straight forward and didn’t make my life difficult.

Beth D
— Hikurangi —

April 2021

I am so happy with the personal loan they got me. So affordable yet flexible.

Wilson S
— Napier —

August 2021

I got a rate of 7% which is really great. This was not possible with any of the other lenders I applied with.

Hill G
— Auckland —

October 2021

They are so fast and transparent. Everything they do is with excellence at a very low price.

Steward M
— Christchurch —

Harmoney Contact Details

Physical Address

  • Harmoney, Ground Floor, 79 Carlton Gore Rd, Newmarket, Auckland, 1023 Auckland New Zealand
  • Get Directions

Postal Address

  • PO Box 106-507, Customs Street, Auckland City, 1143, New Zealand

Opening Hours

  • Monday 09.00 – 18.00
  • Tuesday 09.00 – 18.00
  • Wednesday 09.00 – 18.00
  • Thursday 09.00 – 18.00
  • Friday 09.00 – 18.00
  • Saturday 09.00 – 18.00
  • Sunday 09.00 – 18.00