[Home](/) > [Loans](/loan/) > [Fast Loan](/loan/fast-loan) > [$12,000](/loan/fast-loan/12000) > 5 years

# Most of our loans are funded the same day{{#nz}} — subject to responsible lending inquiries{{/nz}}

Most Harmoney loans are funded the same day.{{#nz}} Subject to responsible lending inquiries.{{/nz}} Our 100% online application takes about 60 seconds to check your rate — and it will not affect your credit score.

When you need money quickly, the last thing you want is a slow process. Harmoney is 100% online — no paperwork, no branch visits, no waiting for callbacks. Our automated assessment connects securely to your bank statements to verify your income in real time, so most applications are assessed in minutes, not days. Once approved, funds are typically in your account 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/renovation-loan)
- [Holiday Expenses](/personal-loan/travel-loan)
- [Purchase Used Vehicle](/personal-loan/used-car-loan)
- [Purchase New Vehicle](/personal-loan/new-car-loan)
- [Business Cash Flow](/personal-loan/business-loans)

## What customers say about fast loan

4.8 out of 5 from 39,401 reviews
ShopperApproved (37,113) · Google (2,113) · TrustPilot (175)

> "Great communication and seamless approval. Very rapid and efficient."
>
> — Anon, 2 days ago (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!"
>
> — Lenny C., 2 days ago (TrustPilot), 5/5 stars

> "
   

Thank You for Your Support, 
Harmoney. 

I wanted to take a moment to express my heartfelt gratitude for your assistance with my loan application. Your guidance and support made the process much smoother than I anticipated.

I truly appreciate the prompt approval and the clarity you provided throughout the process. It has made a significant difference for me during this time.

Thank you once again for your exceptional service. I will be sure to recommend your company to others in need of financial assistance.

Best regards,
Mainaz 

"
>
> — Mainaz C., 3 days ago (TrustPilot), 5/5 stars

> "Quick responses and multiple options. Good loan repayments and easy to communicate with."
>
> — Customer, 3 days ago (TrustPilot), 5/5 stars

> "Simple and fast to apply.
Once approved recieved funds same day.
Thank you for your help."
>
> — Helen F., 4 years ago (ShopperApproved), 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., 2 days ago (TrustPilot), 5/5 stars

> "Fast,  approval "
>
> — Customer, 2 days ago (TrustPilot), 5/5 stars

> "always easy and quick process. "
>
> — Cherry S., 2 days ago (TrustPilot), 5/5 stars

> "Friendly staff, easy process "
>
> — Melanie, 2 days ago (TrustPilot), 5/5 stars