NZ-headquartered ASX-listed digital personal-loan specialist. Originally P2P, now warehouse-funded. Risk-tier pricing.
Harmoney is a specialist non-bank lender. It offers personal loans.
What Harmoney offers in each category, with the features, eligibility and trade-offs we note. Where we captured a current rate from Harmoney’s own page in the last 60 days, it is shown with its comparison rate and a link to the source; for the other products, follow the link to Harmoney’s rate card.
*Comparison rates are calculated on the lender's own example: for home loans usually $150,000 over 25 years, for car and personal loans usually $30,000 over five years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Other lenders in our directory that offer personal loans, starting with other specialist lenders.
What Harmoney offers, the trade-offs, and who should look elsewhere.
No. Harmoney is a non-bank lender: it is not on APRA’s register of authorised deposit-taking institutions (ADIs), the list of banks, building societies and credit unions licensed under the Banking Act 1959. Its Australian Credit Licence is 474726, held by Harmoney Australia Pty Ltd, and lending to consumers under a credit licence is regulated by ASIC under the National Consumer Credit Protection Act 2009.
Harmoney Australia Pty Ltd is a fully owned subsidiary of Harmoney Corp Limited, which is listed on the ASX.
Harmoney Australia Pty Ltd holds Australian Credit Licence 474726. You can check a licence on ASIC’s Professional Registers before you apply.