Terms and conditions
1. Loan terms subject to availability.
Subject to approval. Harmoney’s interest rates are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.
2. 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.
Speed figures are based on 2026 Harmoney NZ new-customer data. Times and figures are indicative, vary by individual circumstances and bank processing, and are not guaranteed. "In as little as" figures reflect fastest-case outcomes, not typical results (most take longer). Quote time is measured from application start to offer; payout time from loan agreement acceptance to funds transfer. Lending criteria and approval apply; rates are personalised.
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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.