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# 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-loans)

## Popular purposes

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

## What customers say about cash loan

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

> "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

> "Helpful and easy. Recommend to help short term stress and being able to pay back as soon as you can helps. I have a job where my commission is paid at the end of each month, this loan will help me in the meantime to afford urgent things, and I can pay back in chunks."
>
> — Olivia M., 4 years ago (ShopperApproved), 5/5 stars

> "They are very supportive when calling their hotline number, no need to wait. They don't under estimate your will to borrow money in times of hardship and very helpful. Got the money in a week. Thank you so much for your help. All the best!"
>
> — All L., 8 months ago (Google), 5/5 stars

> "Simple and fast to apply.
Once approved recieved funds same day.
Thank you for your help."
>
> — Helen F., 5 years ago (ShopperApproved), 5/5 stars

> "Quick response and understanding my needs"
>
> — Harold J., 5 years ago (ShopperApproved), 5/5 stars

> "Very helpful and quick it was all done in a timely manner. Money arrived quicker than I thought, it was there the same day."
>
> — Leon M., 3 years ago (ShopperApproved), 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

> "Safety and Easy to navigated."
>
> — Thais T., 1 week ago (Google), 5/5 stars