[Home](/) > [Loans](/loan/) > [Fast Loan](/loan/fast-loan) > [$5,000](/loan/fast-loan/5000) > 3 years

# Most of our loans are funded the same day

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-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 fast loan

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

> "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

> "fast, easy process. great interest rate."
>
> — Rowena D., 5 years ago (ShopperApproved), 5/5 stars

> "Super fast and easy to deal with. Moneys paid same day I love it."
>
> — Rebecca, 5 years ago (ShopperApproved), 5/5 stars

> "Loan process has been done so fast"
>
> — Sandeep D., 5 years ago (ShopperApproved), 5/5 stars

> "Was surprised that it was so easy to get quote and be approved straight away.
Process went smoothly. One happy customer to be able to tidy up finances."
>
> — Mere T., 5 years ago (ShopperApproved), 5/5 stars

> "Quick and helpful. Very responsive and an easy no hassle way to get a loan."
>
> — Arash H., 3 years ago (ShopperApproved), 5/5 stars

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

> "Exceptional service and fast processing"
>
> — Richard H., 1 week ago (Google), 5/5 stars

> "Quick application and excellent loan process, easy to follow and fast!!!"
>
> — Juato, 3 weeks ago (Google), 5/5 stars