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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

## Products

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

## 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

> "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."
>
> — Teurupingao S., Yesterday (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. "
>
> — Veisinia T., Yesterday (TrustPilot), 5/5 stars