[Home](/) > [Loans](/loan/) > [Low Interest Loan](/loan/low-interest-loan) > [$30,000](/loan/low-interest-loan/30000) > 5 years

# A great rate analysed just for you

Harmoney personal loans start {{unsecured.rate_min_pct}}%–{{unsecured.rate_max_pct}}% p.a.{{#au}} ({{unsecured.comparison_rate_min_pct}}%–{{unsecured.comparison_rate_max_pct}}% p.a. comparison rate*){{/au}}{{#nz}} Establishment fee {{currency_symbol}}{{unsecured.establishment_fee_formatted}}.{{/nz}} for borrowers with strong credit profiles. Your rate is analysed just for you — based on your credit history, income, and existing commitments. It is fixed for the life of the loan.

When you are comparing rates, the headline number is only part of the picture. Fees, comparison rates, and repayment flexibility matter just as much.{{#au}} Under Australian law, lenders must show a comparison rate that includes both the interest rate and most fees, so you can compare like with like. Harmoney's comparison rates range from {{unsecured.comparison_rate_min_pct}}% to {{unsecured.comparison_rate_max_pct}}% p.a. on a {{currency_symbol}}{{disclaimers.comparison_rate_assumptions.principal_formatted}} loan over {{disclaimers.comparison_rate_assumptions.term_years}} years.{{/au}} Because Harmoney uses risk-based pricing, your rate reflects your individual credit profile — not a one-size-fits-all number. 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-loan)
- [Car Loan](/secured-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 low interest loan

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

> "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., 2 days ago (TrustPilot), 5/5 stars

> "Outstanding service from start to finish! The loan application was seamless,with exceptional customer support guiding me every step of the way. Competitive rates and flexible repayment options made my experience even better."
>
> — Norm, 4 days ago (TrustPilot), 5/5 stars

> "I was in abit of a jam with my vehicles but Harmoney was super fast an easy it’s put my mind at rest that I can get the repairs done an pay it back at a reasonable rate,meny thanks,
Antony Green "
>
> — Antony G., 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

> "Very fast and interest rate really competitive."
>
> — Emmylou, 4 years ago (ShopperApproved), 5/5 stars

> "Great response with good interest rate...5star"
>
> — Ashok, 4 years ago (ShopperApproved), 5/5 stars

> "Great company, very efficient and so easy! Wonderful and helpful staff! Highly recommend!! "
>
> — Mandy, 2 days ago (TrustPilot), 5/5 stars

> "Great service and outcome "
>
> — Customer, 2 days ago (TrustPilot), 5/5 stars

> "Excellent customer service fast efficient an alot beter response time then asb"
>
> — Customer, 2 days ago (TrustPilot), 5/5 stars