Your Finance GuideAustralian finance education
Specialist

Harmoney

NZ-headquartered ASX-listed digital personal-loan specialist. Originally P2P, now warehouse-funded. Risk-tier pricing.

SydneyFounded 2014ACL/Banking Licence 474726

Strengths

  • Risk-tier pricing
  • Strong tier-1 rates
  • Listed on ASX (HMY)

Watch out for

  • Higher tiers expensive

Harmoney products

Editorial reference covering the product range Harmoney offers and the structural strengths and trade-offs we observe in the market. For the current headline rate and comparison rate, click through to Harmoney\'s own rate card; the live number sits with them.

Personal loans

Other specialists

Same lender category; compare side by side.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.

Free · No obligation · One match

Get a quote across the broker panel

The Harmoney rates above are publisher reference. The right product for your situation depends on income, deposit, credit profile, security and serviceability, and that comparison is what a broker does.

★★★★★4.9 across 320+ reviewsAustralian Credit Licence 505575Independent. Education first.