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# Apply from home — 100% online

Harmoney is 100% online — from rate check to funding. No paperwork to print, no payslips to scan, no branch appointments. Our automated assessment connects securely to your bank statements to verify your income in real time.

Every step of the Harmoney process is digital. Check your rate in about 60 seconds with a soft inquiry that does not affect your credit score. If you like the offer, verify your income by securely connecting your bank account — no documents to upload. Accept your loan electronically and most loans are funded the same day.{{#nz}} Subject to responsible lending inquiries.{{/nz}} You can manage your loan online at any time.

## 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 online loan

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

> "It is always simple and easy to complete my application online, no paperwork required that is awesome."
>
> — Mele S., 5 years ago (ShopperApproved), 5/5 stars

> "So easy - able to complete online with no hassle - would totally recommend as my first place to go to for that extra money for urgent situations - thanks !"
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> — Paula S., 4 years ago (ShopperApproved), 5/5 stars

> "Brilliant service, it's too easy to loan money here. Thank you."
>
> — Roy F., 11 months ago (Google), 5/5 stars

> "Such an easy process to apply for a loan."
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> — Anonymous C., 1 year ago (ShopperApproved), 5/5 stars

> "Excellent and easy process, as long as you meet all the requirements applying for loans online is so simple. There is no waiting, the service is quick and easy to follow. This is my 3rd Loan through HARMONY my second top-up. So if you are good at managing your Finances then i encourage you to take advantage of HARMONY Loans"
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> — Steve P., 5 years ago (Google), 5/5 stars

> "True to the words that it is easy, quick, and all online. Highly recommended."
>
> — Jonahlayne B., 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"
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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