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# Personal loans in New Zealand

Harmoney is a 100% online lender. We use risk-based pricing to analyse a rate just for you, based on your credit history, income, and existing commitments. Most loans are funded the same day, subject to responsible lending inquiries. We have helped {{customer_count_formatted}} customers across Australia and New Zealand and facilitated over {{total_facilitated.value_formatted}} in personal loans since 2014. Harmoney Corp Limited holds Financial Service Provider licence FSP 593769 and is a member of Financial Services Complaints Limited (FSCL). Under the CCCFA, Harmoney is required to make reasonable inquiries to ensure your loan is suitable and affordable.

## Browse by need

- [Fast Loan](/loan/fast-loan) — Get money fast
- [Small Loan](/loan/small-loan) — Borrow a smaller amount
- [Cash Loan](/loan/cash-loan) — Quick cash when you need it
- [Low Interest Loan](/loan/low-interest-loan) — Find a low rate
- [Short Term Loan](/loan/short-term-loan) — Repay sooner
- [EV Loan](/loan/ev-loan) — Electric vehicle financing
- [Car Loan](/loan/car-loan) — Compare ways to finance a car

## Products

- [Personal Loan](/personal-loan)
- [Car Loan](/secured-loan)

## What our customers say

4.8 out of 5 from 39,401 reviews
ShopperApproved (37,113) · Google (2,113) · TrustPilot (175)

> "Amazing to deal with. Easy application, great communication. Quick transfer. Overall great experience, thank you 😊 "
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> — Anne P., 2 days ago (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."
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> — Too A., 2 days ago (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!"
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> — Lenny C., 2 days ago (TrustPilot), 5/5 stars

> "I had an excellent experience with Harmoney. The application process was smooth and user-friendly, and their customer service was outstanding—responsive and helpful throughout. Everything went as promised, with no hidden fees or surprises. I highly recommend Harmoney for anyone looking for a reliable and efficient loan service."
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> — Teurupingao S., 2 days ago (TrustPilot), 5/5 stars

> "I thought that it was too good to be true how fast I received my loan but harmoney made it possible. Thank you so much harmoney for helping me financially and giving me timely schedule to pay my debt back to you. I truly recommend harmoney! Fast process all around. "
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> — Veisinia T., 2 days ago (TrustPilot), 5/5 stars

> "Fast easy and convenient. All done via email which helped as I work in face to face customer service. The team were all knowledgeable and answered any questions I had via email in a timely manner. Thanks team."
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> — Sanz, 2 days ago (TrustPilot), 5/5 stars