[Home](/) > [Loans](/loan/) > [Cash Loan](/loan/cash-loan) > [$12,000](/loan/cash-loan/12000) > 3 years

# A personal loan — not a payday loan

A Harmoney personal loan is not a cash advance or a payday loan. It is a fixed-rate personal loan with transparent terms, no hidden fees, and $0 early repayment penalties. Most loans are funded the same day.{{#nz}} Subject to responsible lending inquiries.{{/nz}}

When you search for cash loans, most results are payday lenders or cash advance providers with short terms, high fees, and rollover traps. A Harmoney personal loan is different — it is a regulated consumer credit product with fixed rates, fixed repayments, and the full protection of {{#au}}the National Consumer Credit Protection Act{{/au}}{{#nz}}the Credit Contracts and Consumer Finance Act{{/nz}}. Check your rate in about 60 seconds with no impact on your credit score.{{#nz}} Subject to responsible lending inquiries.{{/nz}}

## Available products

- [Personal Loan](/personal-loan)

## Popular purposes

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

## What customers say about cash loan

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

> "Quick responses and multiple options. Good loan repayments and easy to communicate with."
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> — Customer, Today (TrustPilot), 5/5 stars

> "I have been thinking for ages about getting a loan for my dental issues but was too embarrassed and thought it wasn't a good enough reason and thought it would be rejected. I decided to take a chance and glad I did.  The process was easy and response times were amazing. Didn't have to wait weeks to find out if accepted or not, applied 1 day and answered the next day. Could not have been more comforting to have a quick decision, thank you."
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> — Cedrina E., Today (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., Today (TrustPilot), 5/5 stars

> "Extremely quick and easy to deal with, my interest rate was better than a normal big bank was offering. "
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> — Angela C., Today (TrustPilot), 5/5 stars

> "Easy to navigate the website and compare loans and amounts, etc. Then applying is quick and easy also."
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> — Customer, Today (TrustPilot), 5/5 stars

> "I can always count on Harmony when I needed financial help urgently."
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> — Susan E., 4 days ago (Google), 5/5 stars

> "Quick response, veryveasy process"
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> — Lauriane M., Today (TrustPilot), 5/5 stars

> "always easy and quick process. "
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> — Cherry S., Today (TrustPilot), 5/5 stars

> "Smooth and quick"
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> — Ailene, Today (TrustPilot), 5/5 stars