Fast personal loans
Get up to $100,000
in as little as 9 minutes
Start almost anything
Consolidate your debts
Roll multiple debts into one, with one interest rate and one repayment schedule.
Home renovation
We don’t need tradie quotes for your home improvements loan, so these won’t delay you getting your loan.
Buy a new car
With your finance sorted upfront, you can shop like a cash buyer. Unlike dealership finance. we keep things simple and transparent.
92,161
Customers (and counting!)
100% online
- Our AI-driven quote process is 100% online.
No paperwork, no queues and no need for awkward face-to-face meetings.
- Super fast
Simply tell us about yourself and your finances and accept the terms to get funded in minutes
- Rates tailored to you
Interest rates are based on your individual credit assessment – not one-size-fits-all.
How to apply
| 01 Get to know you Tell us about the personal loan you want, then provide us with some details about yourself and your finances. | 02 Get your quote We’ll give you a detailed quote with your interest rate, borrowing limit and repayments. | 03 Get your money After accepting the terms and providing some final details, most people receive their money in less than 5 minutes after loan acceptance. |
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 must be an Australian citizen, Permanent Resident or New Zealand citizen.
- Your credit file must not have any defaults, judgments or bankruptcies.
- You must be in paid employment (which may include self-employment).
- You need to borrow at least $2,000 with your loan.
- You need to have photo identification documents such as your valid Australian passport or driver licence, to hand.
If you are not eligible now, you may be in the future.
WE PROVIDE WEDDING LOAN
Start planning your
dream wedding.
Make your dream day a reality with a wedding loan
We know wedding costs can add up. A wedding expenses loan can help you prepare and reduce stress on your big day.
DON’T PANIC
Get your wedding expenses loan approved well before the big day so you’ll have plenty of time to take care of everything.
NO SURPRISES
We don’t charge ongoing fees, early repayment fees or other unexpected charges, as long as you keep up with your loan repayments.
NO ASSETS NEEDED
All Harmoney personal loans are unsecured so high-value items like a wedding ring or other assets are safe.
Terms and conditions
1. Subject to approval. Harmoney’s unsecured interest rates range from 5.76% p.a. to 24.03% p.a. (Comparison Rate 5.76% p.a. to 24.98% p.a.) and secured interest rates range from 5.66% p.a. to 20.79% p.a. (Comparison Rate 5.66% p.a. to 21.71% p.a.). 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. Unsecured fixed interest rates range from 5.76% p.a. to 24.03% p.a. (comparison rates 5.76% p.a. to 24.98% p.a.) and secured fixed interest rates range from 5.66% p.a. to 20.79% p.a. (comparison rates 5.66% p.a. to 21.71% p.a.) on 36, 60 or 84 month terms. Rates are based on your individual credit assessment according to our credit scorecard.
3. Comparison rates: Our unsecured comparison rate of 5.76% and secured comparison rate of 5.66% are based on a personal loan of $30,000 over 5 years, for users with exceptional credit quality. WARNING: Comparison rates only apply to the example given. Different amounts and terms may result in different comparison rates. Costs, fees, charges (including government charges like stamp duty), and cost savings are not included in the comparison rate but may influence the cost of the loan.
4. An establishment fee of $275 applies to all loans up to $5,000 and $575 to loans of $5,000 and over. Some applicants with strong credit profiles may be eligible for a $0 establishment fee. There are no monthly fees and no early repayment fees.
Example loan. For users with exceptional credit quality, for an unsecured loan of $20,000 borrowed for 36 months with a fixed interest rate of 5.76% p.a. (comparison rate 5.76% p.a.) the total amount you would need to repay would be $22,487 (made up of $20,000 in principal, $2,487 in interest and $0 in establishment fees).
Quote time is based on the fastest recorded completion time by a Quick Quote user in 2025. Individual times may vary.