[Home](/) > [Loans](/loan/) > [Low Interest Loan](/loan/low-interest-loan) > [$70,000](/loan/low-interest-loan/70000) > 3 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-loans)
- [Car Loan](/secured-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 low interest loan

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

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

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

> "Excellent service, very fast and easy to do online. Very competitive interest rates."
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> — Ken B., 4 years ago (ShopperApproved), 5/5 stars

> "Simple to use and excellent interest rate 👌"
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> — Mike F., 3 years ago (Google), 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."
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> — Too A., 2 years ago (TrustPilot), 5/5 stars

> "SUPER FAST! Out of all the sites I've tried and applied, Harmoney has been the best at this field. They're very easy to understand and the fact that even if it's unsecured loans, they won't give out any huge amounts of interest fees."
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> — Hillary P., 4 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"
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> — Renee J., 6 days ago (Google), 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."
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> — 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 👍"
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> — David L., 6 days ago (Google), 5/5 stars