Harmoney

We help people make a start. We do this by providing personal loans for people who want to start something. ASX / NZX: HMY.

Since our beginnings in 2014, Harmoney has sought to transform the way people borrow and lend money. We’ve created Australasia's largest direct to consumer personal loan company having facilitated over $2.1 billion in loans to over 50,000 customers on both sides of the Tasman, 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.

10/06/2026

🏆 Big news! Harmoney has just been named MoneyHub’s 2026 Favourite Personal Loan Provider! 🏆

We are so incredibly proud to receive this Editor’s Choice award. Our goal has always been to make borrowing simple, transparent, and fair, so hearing that we are the "go-to lender for middle New Zealand" means the world to us!

Here is what the editors at MoneyHub had to say about why they love Harmoney:
⚡ Fast & Easy: Applications take just minutes online, with approvals inside 24 hours.
🔎 No Surprises: We are completely upfront about rates and fees.
❌ No Penalties: Want to pay your loan off early? Go right ahead—we never charge early-repayment fees.
💪 Competitive Rates: Delivering great value at scale for our customers.

A huge shoutout to our amazing team for making this possible, and an even bigger thank you to our customers for trusting us with your financial goals. We couldn't have done it without you! 💙

05/11/2025

Innovation recognized! We're thrilled to announce that Harmoney's Bank Bot has won the Finder Lending Innovation Award 2025! 🥇🏆

Harmoney's Bank Bot is an AI-powered virtual assistant designed to make your loan application journey faster and easier. It tackles one of the biggest friction points—income clarifications—by providing real-time support and a seamless customer experience.

Finder's Innovation Awards celebrate Australia's most forward-thinking companies, and being the sole winner in this category is a huge honour and a testament to what our Stellare technology is having for customers.

See how Harmoney is setting a new standard for online lending

20/07/2023

Say goodbye to the hassle of dealing with multiple high-rate credit cards. Our low fixed-rate Harmoney Personal Loan offers a solution to consolidate your debt. Visit https://www.harmoney.co.nz/personal-loans/debt-consolidation

Address

Level 3, 110 Customs Street West, AKL CBD
Auckland
1010

Website

https://www.harmoney.co.nz/

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My Money
360 Remuera Road

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