[Home](/) > [Loans](/loan/) > [Easy Loan](/loan/easy-loan) > $3,000

# Simple online loan application{{#nz}} — subject to responsible lending inquiries{{/nz}}

Harmoney is 100% online. No paperwork. No branch visits. No waiting for callbacks. Check your rate in about 60 seconds — it will not affect your credit score. If you like the offer, complete your application online and most loans are funded the same day.{{#nz}} Subject to responsible lending inquiries.{{/nz}}

Traditional loan applications mean forms, payslips, branch appointments, and days of waiting. Harmoney replaces all of that with a secure online process. We connect to your bank statements in real time to verify your income — no documents to scan or upload. Our automated assessment analyses your credit profile and gives you a personalised rate, not a generic estimate. From rate check to funding, most customers complete the entire process in the same day.{{#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 easy loan

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

> "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

> "The process was very convenient, you can do it all thru online. And the team are very accommodating and fast.
I got my approved loan in just a short time. If you have financial problems, Harmoney really answers your prayers."
>
> — Tina, Yesterday (TrustPilot), 5/5 stars

> "I've used Harmony once before, and once again the service when applying for a loan was extremely easy to follow, fast and efficient. I 100% recommend anyone looking for small or large loans to contact Harmony."
>
> — Jason B., 1 week ago (Google), 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."
>
> — Cedrina E., 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

> "THANKS FOR THE QUICK AND EASY LOAN APPLICATION"
>
> — Daniel M., 3 years ago (ShopperApproved), 5/5 stars

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

> "Friendly staff, easy process "
>
> — Melanie, Yesterday (TrustPilot), 5/5 stars

> "Friendly, quick and easy service"
>
> — Jason, Yesterday (TrustPilot), 5/5 stars