About Harmoney

Harmoney is a peer-to-peer lender that has taken both the US and UK by storm. After spreading to New Zealand and, being received with open arms by locals, the Harmoney brand then set its sights on Australia where they’ve had an excellent early run.

Using Tech to Bring Lower Cost Loans to Australians

Large banks in Australasia are highly profitable and come in all shapes and sizes – each one promising to do a little better than the next. The problem is that they never really do better and charge excessive rates and fees and that’s where peer-to-peer lenders such as Harmoney come in.

Complete Transparency and Lots of Info

One of the things that truly stands out with Harmoney is the sheer amount of information and the level of transparency they bring to the marketplace lending industry in Australia.

From the rates they offer to the procedures and best practices for non-payment – they’re a lot more forthcoming than other Australian lenders.

If you want to find out more about their quick loans and processes simply visit their website or begin your online loan application today.

What Harmoney can offer you

Harmoney is a marketplace lender that matches borrowers with investors via a simplified, easy and accurate online lending platform. This allows them to cut out all those high bank fees and lower the interest rates so Australians can benefit from fair, low-rate lending.

Matching Lenders and Borrowers Online

As P2P lending was designed to do – Harmoney matches borrowers and lenders on a virtual online platform – cutting out the proverbial “middleman” and bringing better returns for investors and lower interest rates and fees for borrowers.

Financing the Little Things that Truly Matter

Harmoney offers personal loans that range from $5,000 to $35,000 for private individuals only. That unfortunately means that those looking for a business loan may have to look elsewhere unless, they apply for a peer-to-peer loan as an individual and then use that money for business purposes.

Here are a few uses for a Harmoney Personal Loan:

  • Consolidating debts with high interest
  • Financing a family holiday
  • Refurbishing a kitchen
  • Purchasing furniture and electronics

In a Nutshell

Get your P2P Loan of up to $35,000

At Harmoney you can get a loan at a comparison rate of just 9.7% and choose between a 3 or 5 year personal loan term.

Harmoney’s loans are designed for personal use and not for business usage but, small business owners are welcome to apply for a loan online in a personal capacity and then use the loan for business purposes.

How Harmoney’s Loan Process Works

As a borrower you must visit the Harmoney website to apply for a peer-to-peer loan. Here you will have to complete a loan application form and give Harmoney your personal details and tell them how much you want to borrow and for how long.

They will then review your application and either accept you or decline you as a borrower primarily based on your credit history.

If you’re accepted your loan request will then be placed on Harmoney’s platform where investors will be able to invest their money and therefore fund your loan.

Limitations of Harmoeny’s P2P Loans

One limitation of Harmoney’s P2P loans is that those who are looking for a bad credit loan will not find what they’re looking for with this lender.

Those who are blacklisted or are bankrupt will not be able to have their loan request accepted and placed onto the marketplace.

Eligibility & Requirements

Other Products & Services

  • Car loans
  • Debt consolidation
  • Holiday loans
  • Home improvement loans
  • Wedding Loans
  • Peer to peer loans

Here’s a short video about Harmoney

Contact Details

 Visit Website


 Physical Address

  • Registered office: Level 12, 1 Pacific Highway, North Sydney, NSW, 2060, Australia

 Postal Address

  • 389/4 Young Street, Neutral Bay, 2089, Australia