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# Personal Loan

Fixed-rate unsecured personal loan with no early repayment penalties. Interest rate determined by individual credit profile assessment.

## Interest rates

| Credit profile | Interest rate |
|---|---|
| Excellent | 7.99% p.a. |
| Good | 13.99% p.a. |
| Average | 18.49% p.a. |

## Estimated repayments

Loan: $5,000, Term: 60 months, Rate: 7.99% p.a.

- Weekly: $26.10
- Fortnightly: $52.20
- Monthly: $104.40

## Loan details

- Amount: $2,000 – $100,000
- Terms: 3 years, 5 years or 7 years
- Early repayment fee: $0

## What our customers say

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

> "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."
>
> — 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 👍"
>
> — David L., 6 days 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

## Disclaimers

Harmoney Services Limited (FSP593769) is registered under the Financial Service Providers (Registration and Dispute Resolution) Act 2008.

This website is provided for general information purposes only, and does not take your individual circumstances and financial situation into account. It is not intended to constitute legal or financial advice.

Important information: This calculator provides an estimate only and is not a loan offer or initial disclosure statement under the Credit Contracts and Consumer Finance Act 2003. The monthly repayment amount shown is calculated using the standard amortisation formula based on the example loan amount, interest rate, and term entered. The weekly amount shown is the monthly repayment divided by 4, and the fortnightly amount shown is the monthly repayment divided by 2; this assumes 48 weekly payments or 24 fortnightly payments per year, not 52 or 26. A borrower repaying on an actual weekly or fortnightly schedule will pay a lower amount for each payment than the amount shown. Actual repayment amounts will depend on the borrower's individual credit assessment, including the applicable interest rate, fees, loan amount, and term. The interest rates shown range from 7.99% to 24.99% p.a. and are subject to change. An establishment fee of $150 may apply. This calculator does not take into account your personal financial circumstances. Before applying, consider whether this product is appropriate for you. Harmoney Services Limited is registered on the Financial Service Providers Register (FSP593769) and is a member of Financial Services Complaints Limited (FSCL) – a Financial Ombudsman Service.

1. Subject to approval. Harmoney offers fixed-rate unsecured personal loans at 7.99% p.a. to 24.99% p.a. on 3 years, 5 years or 7 years terms. The rate offered to you depends on your individual credit assessment under Harmoney's credit scorecard. You must meet Harmoney's credit criteria and responsible lending requirements to be approved. Establishment fee $150. Fees, charges, terms and conditions apply.
2. An establishment fee of $150 applies to all Harmoney personal loans. There are no monthly fees and no early repayment fees.
3. Harmoney personal loans are available on 3 years, 5 years or 7 years fixed-rate terms. Not all terms may be available for all loan amounts. Loan terms subject to availability.
4. Fastest recorded quote: 17 seconds from application started to quote offered, since 1 January 2026. This is the fastest time on record, not a typical experience; individual quote times vary.
5. Funding speed: 90% of approved loans were funded within 24 hours in 2025, measured from application completion to funding. Individual funding times vary.
6. You are protected by responsible lending laws. Because of these protections, the recommendations given to you about personal loans are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.