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# 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-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 easy loan

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

> "Easy no fuss way to get loans"
>
> — Jason S., 3 years ago (ShopperApproved), 5/5 stars

> "It was so easy and simple to apply, doing it all from home without taking time off work. The staff are so respectful and kind on the phone answering my questions.My loan was approved within 2 days. Thank you Harmoney for the stress free experience. Highly recommended"
>
> — Faaleoina N., 5 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

> "Quick and easy process. Interest rates can be a little high, but the repayment schedule is really flexible. Staff are helpful and understanding."
>
> — Lisette, 2 years ago (ShopperApproved), 5/5 stars

> "Just extended my loan and what a fantastic experience, easy and fast application process with no issues, nice to experience this kind of service."
>
> — Gareth M., 2 years ago (Google), 5/5 stars

> "I love and appreciate how hassle free this entire process is. I also appreciate that your customer service team are really helpful and non-judgemental. Thank you for helping me consolidate some of my debts. I really appreciate it."
>
> — Mihi N., 5 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