Harmoney Personal Loan
- Interest Rate (p.a.)
- 5.94% to 24.03%
- Comparison rate (p.a.)
- 5.94% to 24.98%
- Min Loan Amount
- $2,000
Summary
Benefit from a competitive interest rate in the top 5% of personal loans we've analysed.With a Finder Score of 9.1, the Harmoney Unsecured Personal Loan ranks in the top 15% of loans in our database. Its key strength is a highly competitive minimum interest rate, which is among the top 5% of the lowest rates we've analysed.
While it charges no ongoing fees, borrowers should note the $575 application fee. This is in the top 20% of higher upfront fees in the market.
Pros
-
Tailored, competitive rates
-
Apply for up to $100,000
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No security required
Cons
-
Restrictive repayment terms
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$0 - $575 upfront fee
Details
Product details
| Product Name | Harmoney Unsecured Personal Loan |
| Interest Rate (p.a.) | 5.94% to 24.03% |
| Comparison rate (p.a.) | 5.94% to 24.98% |
| Interest Rate Type | Fixed |
| Min Loan Amount | $2,000 |
| Max. Loan Amount | $100,000 |
| Loan Security | Secured or Unsecured |
Harmoney scored in the Finder Awards
The Harmoney Unsecured Personal Loan was highly commended for Best Unsecured Personal Loan in the 2026 Finder Awards.
Full list of 2026 winnersHow does Harmoney Unsecured Personal Loan compare?
- A top-ranking loan. With a Finder Score of 9.1, this loan ranks in the top 15% of unsecured personal loans in our database.
- Competitive interest rates. Its minimum interest rate of 5.76% is in the top 5% of the lowest rates we've analysed.
- High borrowing amount. This loan offers a higher than average maximum borrowing amount.
- High application fee. The $575 application fee is in the top 20% of higher fees when compared to other personal loans.
How does the Harmoney Personal Loan work?
This personal loan from Harmoney is unsecured. The loan offers personalised interest rates based on your individual circumstances. The rate you receive can range from 5.94% p.a. to 24.03% p.a. Aside from the rate, the main cost with this loan is the establishment fee.Eligibility criteria
To be eligible for the loan, you need to be:- Over the age of 18
- A citizen or permanent resident of Australia, or a New Zealand citizen
- Earning a stable income
- Employed full-time or permanent part-time
You must also have a clear credit file, with no defaults, judgements or bankruptcies.
How to apply
You can apply for the loan online, through the Harmoney website. You have the option of creating an account by using your Google account or through Facebook, or alternatively you can enter your email address. You will need to provide photo ID documents like your Australian driver's licence or passport. Keep your documents on hand to speed up the process.Features of this loan
- Unsecured loan. You won't need to offer an asset as security.
- Fixed rate. Your interest repayments will remain the same for the lifetime of the loan. This makes it easier to predict and budget for your repayments.
- Personalised rates. Your interest rate will be personalised according to your risk profile. Factors which impact your interest rate include stability of employment, stability of and type of residence, financial behaviour and your demographic profile. If your risk profile is low, you will receive a lower rate. If your risk profile is higher, your rate will be higher.
- Varying loan terms. Your loan term can be 3, 5 or 7 years.
- No early repayment fees. You can repay your loan early without incurring a penalty.
How much does the Harmoney Personal Loan cost?
The costs associated with this loan include:- Fixed personalised interest rates ranging from 5.94% p.a. to 24.03% p.a.
- An establishment fee of $0 for loans under $5,000; for loans above $5,000, the fee is $575. Some applicants with strong credit profiles may be eligible for a $0 establishment fee.
No monthly or annual service fees are charged. Your comparison rate, which includes interest charges and fees, will range from 5.94% p.a. to 24.98% p.a.
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