Harmoney is a Registered Financial Service Provider / FSP373486

About Harmoney

Harmoney is New Zealand's first and most popular peer-to-peer lending platform.

With over $300 million of personal loans having been provided to Kiwis over the last few years - Harmoney has achieved its goal of changing the way that people think about lending.

Why Using Harmoney is just Better

If you're as tired of big banks draining the life out everything as we are then you're simply going to love Harmoney. We're a peer-to-peer lending platform that matches borrowers with lenders and cuts out the nasty middle man we've all become so accustomed to.

What Harmoney can offer you

At Harmoney you can get a competitively priced personal cash loan that ranges from $1,000 to $35,000 - 100% online.

This loan isn't provided by us directly but by everyday people just like you who have made a decision to invest their money with Harmoney.

Simply a Better Way to Borrow

We allow borrowers to apply for a loan 100% online and offer rates as low as 9.99% with loan amounts up to $35,000. If you want a faster, cheaper and more flexible quick cash loan then turn away from that profit driven bank and choose Harmoney.

In a Nutshell

How to Apply for a P2P Loan with Harmoney

With a guaranteed 24 hour loan approval and a simple online loan application - getting a peer-to-peer loan with Harmoney is as easy as can be!

Why we Offer Better Rates

As a peer to peer platform we operate entirely online - which means you never have to deal with queues, paperwork or difficult bank staff to get a competitive fast loan. Since we operate online we have very little operational costs and can therefore afford to offer you the rates that we do.

Completing you Loan Application Online

Once you know how much you want to borrow you can proceed to fill in out online loan application form which should only take you a couple of minutes. Although our loans are more flexible we are a registered credit provider and all loans are subject to lending criteria and affordability assessments.

Eligibility & Requirements

Other Products & Services

  •  Peer to peer lending service

Here’s a short video about Harmoney


 Physical Address

  • 308 Parnell Road, Auckland, Auckland, 1052, New Zealand

 Postal Address

  • PO Box 106-507, Customs Street, Auckland City, 1143, New Zealand