Harmoney ranks in Top 10
2023 AFR Most Innovative Awards
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We make refinancing debt easier and fairer
Refinance debt 100% online in a matter of minutes.
01
FEWER DEBTS, LESS HASSLE
Roll multiple debts into one, so you only have to deal with one interest rate and one repayment schedule.
02
GET SORTED FASTER
Refinancing high-cost credit like credit cards and store cards can help you break free from the debt spiral.
03
LOWER YOUR INTEREST PAYMENTS
With our fair, personalised interest rates, you may qualify for a better rate than you’re currently paying.
4.8
18,358 Reviews
4.7
1,537 Reviews
4.0
334 Reviews
What we offer
Loan amount
$2,000 - $100,000
Early repayment fee
$0
Interest rate from²
5.76% - 24.03% p.a.
Loan terms
3, 5 or 7 years
Comparison rate from³
6.55% - 24.98% p.a.
Rate type
Fixed rate
Establishment fee⁴
$275 or $575
Lightning FAST funding
Typically less than 5 minutes
Repayment frequency
Weekly, fortnightly, or monthly
Refinance loans that work for you
Personal Interest Rate
Interest rates are based on your individual credit assessment, not one-size-fits-all.
Receive Your Money Fast
Most loans on Harmoney are fully funded within 24 hours.
100% Online – 24/7
Your loan application is 100% online with no awkward face-to-face meetings.
Consolidate debt today
Taking control of your debt is the first step to healthier finances.
Take a big step towards a debt-free future.
Start almost anything.
Customers (and counting!)
No queues and no need for awkward face-to-face meetings.
✅ 100% online
Accept your loan terms and provide some final details. Most loans are fully funded in less than 5 minutes.
✅ Super fast
Interest rates are based on your individual credit assessment - not one-size-fits-all.
✅ Rates tailored to you
Lightning FAST ⚡
Instant quotes, zero paperwork
Our AI-driven quote process is 100% online and paperwork-free. Get answers in seconds, so you can keep moving forward.
$2,000 to $100,000
Our unique AI will assess your needs and finances to offer you an affordable personal loan that suits your lifestyle.
Personalised for you in a flash
Our smart technology tailors your quote instantly – just answer a few questions, and let AI do the rest.
Lightning fast approvals
Get a quick quote in minutes and in most cases loans are funded in less than 5 minutes. It’s that easy!
Eligibility Criteria
To get a quote in Australia;
You must be 18 years or older.
You need to have photo identification documents such as your valid Australian passport or driver’s to licence, to hand.
You must be an Australian citizen, Permanent Resident or New Zealand citizen.
Your credit file must not have any defaults, judgments or bankruptcies.
You must have paid employment (which may include self-employment).
You need to borrow at least $2,000 with your loan.
If you are not eligible now, you may be in the future.