Welcome to the Harmoney Investor Hub

Our purpose is to help and inspire people to start now on their dreams or start fresh – through financial products that are simple, smart and secure.

Since our beginnings in 2014, Harmoney has sought to transform the way people borrow. Having facilitated over $4.3 billion in loans to over 100,000 customers on both sides of the Tasman, Harmoney is giving people more choice and options. Along the way we’ve created over 100 jobs, and created a purpose‑driven culture focusing on helping people do better through technology, big data, and responsible lending.

Harmoney is Australia and New Zealand’s largest 100% consumer-direct online lender.

Why invest in Harmoney?

Harmoney offers strong growth potential in a $150+ billion market.

Our proprietary Stellare® platform partners with Google to attract prime, high intent customers at low cost, delivering a high-quality loan book earning >6% risk-adjusted income (income after funding costs and credit losses).

We are well capitalised for growth with profits adding to existing cash reserves that already support >80% loan book growth, plus we have warehouse facilities from three of the “big-4” Australian banks and are an established capital markets issuer of asset backed securities.

What sets Harmoney apart?

Consumer-direct lending, data driven automation

Australia & New Zealand’s largest 100% consumer-direct online lender
Market opportunity >$150bn, current market share <1%
Our algorithms partner with Google’s to attract prime customers at low cost and our great customer experience sees them returning at near zero cost.
Deep first party data and AI models deliver prime loan book and 6.4% Risk Adjusted Income1
Funded by 3 of the “Big-4” Australian banks, plus public securitisations
Stellare® automation drives a low cost to income, 19% in 1H26
Cash return on equity of 31% in 1H26

Why invest in Harmoney?

We encourage shareholders and interested investors to engage with Harmoney’s leadership team via our interactive Investor Hub.