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# Car Loan

Fixed-rate vehicle loan secured against a car or motorbike via PPSR registration. Lower rates than unsecured lending, with no early repayment penalties.

## Interest rates

| Credit profile | Interest rate |
|---|---|
| Excellent | 7.99% p.a. |
| Good | 13.99% p.a. |
| Average | 18.49% p.a. |

## Estimated repayments

Loan: $20,000, Term: 60 months, Rate: 7.99% p.a.

- Weekly: $93.37
- Fortnightly: $186.85
- Monthly: $405.43

## Loan details

- Amount: $2,000 – $100,000
- Terms: 3 years, 5 years or 7 years
- Early repayment fee: $0

## Security requirement

Vehicle must be registered as security on the Personal Property Securities Register (PPSR). Comprehensive motor vehicle insurance required with minimum cover of $10,000 or full vehicle value, with Harmoney listed as interested party.

**Important:** Loan converts to unsecured at a higher interest rate. Vehicle must be registered within 60 days.

## What our customers say

4.8 out of 5 from 39,386 reviews
ShopperApproved (37,113) · Google (2,098) · TrustPilot (175)

> "
   

Thank You for Your Support, 
Harmoney. 

I wanted to take a moment to express my heartfelt gratitude for your assistance with my loan application. Your guidance and support made the process much smoother than I anticipated.

I truly appreciate the prompt approval and the clarity you provided throughout the process. It has made a significant difference for me during this time.

Thank you once again for your exceptional service. I will be sure to recommend your company to others in need of financial assistance.

Best regards,
Mainaz 

"
>
> — Mainaz C., Yesterday (TrustPilot), 5/5 stars

> "Amazing to deal with. Easy application, great communication. Quick transfer. Overall great experience, thank you 😊 "
>
> — Anne P., Yesterday (TrustPilot), 5/5 stars

> "You made a stressful situation so easy and seamless. Thank you for your dedication to the customer experience. Highly recommend you, glad I listened to the great recommendation from friends. The lowest interest rates thus far."
>
> — Too A., Yesterday (TrustPilot), 5/5 stars

> "Great online process, very fast turn around with entire process including money in your bank once contract accepted and signed, easy to follow, straight forward and straight up, great communication from the team via email or phone. I will definitely use harmoney again and probably will be the only lender I use from now on. Will also recommend to everyone I know! Thanks Harmoney!"
>
> — Lenny C., Yesterday (TrustPilot), 5/5 stars

## Disclaimers

Harmoney Services Limited (FSP593769) is registered under the Financial Service Providers (Registration and Dispute Resolution) Act 2008.

This website is provided for general information purposes only, and does not take your individual circumstances and financial situation into account. It is not intended to constitute legal or financial advice.

Important information: This calculator provides an estimate only and is not a loan offer or initial disclosure statement under the Credit Contracts and Consumer Finance Act 2003. The repayment amounts shown are calculated using the standard amortisation formula for the selected payment frequency (weekly, fortnightly or monthly) based on the example loan amount, interest rate, and term entered. Actual repayment amounts will depend on the borrower's individual credit assessment, including the applicable interest rate, fees, loan amount, and term. The interest rates shown range from 7.99% to 24.99% p.a. and are subject to change. An establishment fee of $150 may apply. This calculator does not take into account your personal financial circumstances. Before applying, consider whether this product is appropriate for you. Harmoney Services Limited is registered on the Financial Service Providers Register (FSP593769) and is a member of Financial Services Complaints Limited (FSCL) – a Financial Ombudsman Service.

1. Subject to approval. Harmoney offers fixed-rate unsecured personal loans at 7.99% p.a. to 24.99% p.a. on 3 years, 5 years or 7 years terms. The rate offered to you depends on your individual credit assessment under Harmoney's credit scorecard. You must meet Harmoney's credit criteria and responsible lending requirements to be approved. Establishment fee . Fees, charges, terms and conditions apply.
2. An establishment fee of $150 applies to all Harmoney personal loans. There are no monthly fees and no early repayment fees.
3. Harmoney personal loans are available on 3 years, 5 years or 7 years fixed-rate terms. Not all terms may be available for all loan amounts. Loan terms subject to availability.
4. You are protected by responsible lending laws. Because of these protections, the recommendations given to you about personal loans are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.