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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) — Most loans funded the same day
- [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-loans)
- [Car Loan](/secured-loans)

## What our customers say

4.8 out of 5 from 39,419 reviews
ShopperApproved (37,113) · Google (2,130) · TrustPilot (176)

> "What an absolute pleasure. Never thought I would be able to breathe again so quickly after an emergency . Everything went exceptionally fast. They had clear and precise instructions and I could do what was necessary in under 2 hours. Wow is all I can say."
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> — Karla S., 6 days ago (Google), 5/5 stars

> "Been using Harmoney now for awhile always good service and fast. Try them see for yourselves. Two thumbs 👍"
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> — David L., 6 days ago (Google), 5/5 stars

> "Exceptional service and fast processing"
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> — Richard H., 1 week ago (Google), 5/5 stars

> "Quick application and excellent loan process, easy to follow and fast!!!"
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> — Juato, 3 weeks ago (Google), 5/5 stars

> "Quick, easy process. A great establishment to turn to when you want help to achieve your goals sooner"
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> — Shar R., 3 weeks ago (Google), 5/5 stars

> "Excellent fast loan stressfree"
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> — Yana J., 1 month ago (Google), 5/5 stars