Harmoney is New Zealand’s largest peer lender for personal loans. If you are looking for personal loans in New Zealand, Harmoney is one of the best options. This article will help readers have a better view of Harmoney New Zealand personal loans.

Cash Money personal loans
Harmoney New Zealand personal loans up to $70,000

In the previous post, Info Credit Free introduces people to some of the necessary information that is useful for getting the EasyFinancial personal loans in Canada, to get more information people can read the article Get EasyFinancial personal loans with the quick registration process. Now, let find knowledge about the Harmoney New Zealand personal loans in the post today.


Just like a lot of article posts such as Refresh Financial personal loans, SkyCap Financial personal loans, Fast Access Finance personal loans, Fairstone personal loans… this post about the Harmoney New Zealand personal loans also includes some main parts. They are:

1. Some types of Harmoney New Zealand personal loans

Harmoney personal loans suit for many different purposes. Here are some types of loans you can register at Harmoney:

  • Personal loans. Use Harmoney’s market to register for a personal loan from $ 2,000 to $ 70,000. There is no charge to repay early and you will receive a unique personalized interest rate for your situation.
  • Loan for a car purchase. Harmoney personal loans are also suitable for buying a new or used car. The choice of three-year or five-year terms plus an early repayment option without penalty makes the Harmoney P2P car loan a flexible option for mainstream car finance.
  • Home improvement loans. Consider P2P personal loans from Harmoney if you are looking to improve your home. Harmoney loans can be awarded at an ideal interest rate to finance your home investment.
  • Debt consolidation. You can apply for a peer loan through Harmoney with the aim of strengthening your debts. If you apply successfully, you may be offered a lower interest rate than your current debts, saving interest on your loans.

2. Some information about the Harmoney personal loans

Harmoney’s personal loan is different in that it is a peer loan and also comes with the following important features:

  • No penalty for early repayment. You have won a penalty if you pay early. Therefore, you can reduce the interest rate on your loan by paying more than the regular installment amount or returning the entire loan early.
  • Loans unsecured. Harmoney’s P2P loan is not guaranteed, which means you do not need to provide assets as collateral for your loan, an important factor if you do not own a home or car.
  • Personal interest rate. The rate you are provided for your Harmoney personal loan is adjusted according to your personal repayment capability and personal credit risk profile.
  • Flexible loan amount. P2P loans from Harmoney fit different loan requirements, with a minimum loan amount starting at only $ 2,000. You can also borrow for large purchases, with loans limited to a maximum of $ 70,000.
Consumer Capital personal loans
Harmoney New Zealand personal loans up to $70,000

3. Some requirements to apply for Harmoney personal loans

Harmoney personal loans application process is similar to the traditional loan process, with additional steps to listing your loan on the market and waiting for your loan to be funded. Most loans are funded within one business day.

3.1. Eligibility requirements

  • Resident. Only residents and citizens of New Zealand can apply.
  • Income requirements. There is no clear minimum income requirement, but Harmoney will assess your income level as it determines whether you can afford a personal loan.
  • Credit records. Harmoney will only consider you for a personal loan if your credit profile is in good standing.

3.2. Necessary documents and information

  • ID. Harmoney requires a New Zealand driver’s license or passport as identification.
  • Income verification. You will need to verify your income and Harmoney offers two alternatives: slower manual processing or automated verification via Credit Sense bank account retrieval service.
  • Assets, liabilities, expenses. To assess your ability to repay, Harmoney will ask you to declare your assets, debts and regular expenses.

This post is about Harmoney New Zealand personal loans. We provide this information to offer you some of the necessary information that is useful for getting Harmoney New Zealand personal loans. Also if you are looking for information about the personal loans from Magical Credit, please refer to the Magical Credit personal loans are provided to low-income households link we just provided in the previous article. 

Hillary (Team Content) – Info Credit Free