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# Finance your next car

Harmoney offers two ways to finance a car. A secured car loan {{secured.rate_min_pct}}%–{{secured.rate_max_pct}}% p.a.{{#au}} ({{secured.comparison_rate_min_pct}}%–{{secured.comparison_rate_max_pct}}% p.a. comparison rate*){{/au}} uses the vehicle as security for a lower rate, or an unsecured personal loan {{unsecured.rate_min_pct}}%–{{unsecured.rate_max_pct}}% p.a.{{#au}} ({{unsecured.comparison_rate_min_pct}}%–{{unsecured.comparison_rate_max_pct}}% p.a. comparison rate*){{/au}}{{#nz}} Establishment fee {{currency_symbol}}{{unsecured.establishment_fee_formatted}}.{{/nz}} keeps the title clear. Both have $0 early repayment fees and $0 monthly fees.

Whether you are buying new or used, from a dealer or a private seller, Harmoney can help with the purchase price. A secured car loan uses the vehicle as collateral via PPSR registration, which typically means a lower interest rate. An unsecured personal loan does not require the vehicle as security, giving you more flexibility but at a higher rate. In both cases, your rate is fixed for the life of the loan, and there are no early repayment fees.

## Available products

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

## Popular purposes

- [Purchase Used Vehicle](/personal-loans/used-car-loan)
- [Purchase New Vehicle](/personal-loans/new-car-loan)
- [Debt Consolidation](/personal-loans/debt-consolidation)
- [Home Improvements](/personal-loans/renovation-loan)
- [Holiday Expenses](/personal-loans/travel-loan)
- [Business Cash Flow](/personal-loans/business-loans)

## What customers say about car loan

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

> "very good and easy you should have more options i e i only have one car but three motorcycles each been worth more than my car"
>
> — Michael G., 5 years ago (ShopperApproved), 5/5 stars

> "So easy and so fast. Thank you so much. Now I've got the car I need to get to my clients."
>
> — Homegrown F., 4 years ago (Google), 5/5 stars

> "The company and service team members I’ve dealt with have made it totally stress free, friendly and easy. Was fast to get the funds into account, and follow up to make sure you are happy with everything. Definitely would use again! Would highly recommend the family and friends needing a personal loan for their next car, or project."
>
> — Debbie S., 4 years ago (Google), 5/5 stars

> "I was in abit of a jam with my vehicles but Harmoney was super fast an easy it’s put my mind at rest that I can get the repairs done an pay it back at a reasonable rate,meny thanks,
Antony Green"
>
> — Antony G., 2 years ago (TrustPilot), 5/5 stars

> "Didn't plan for this, so early in the new year, But Harmoney came through for me and am able to purchase a reliable car for the start of 2023, ngā mihi."
>
> — Rachael T., 3 years ago (ShopperApproved), 5/5 stars

> "I had an urgent request due to my car breaking down that I need for Christmas. The service I've received so far has been excellent"
>
> — Anonymous C., 3 years ago (ShopperApproved), 5/5 stars

> "No mumbo, jumbo. Quick and easy application process with no unexpected hidden "surprises"
Very happy with my entire experience with Harmoney from start to finish...thank you"
>
> — Renee J., 6 days ago (Google), 5/5 stars

> "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."
>
> — 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 👍"
>
> — David L., 6 days ago (Google), 5/5 stars