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Harmoney Australia Pty Ltd ABN 12 604 342 823 holds an Australian Credit Licence (Number 474726) and an Australian Financial Services Licence (Number 474726). Harmoney Services Australia Pty Ltd (ABN 49608364272) provides rates estimates and other services as an agent for Harmoney Pty Ltd. Harmoney Australia Pty Ltd and Harmoney Services Australia Pty Ltd are fully owned subsidiaries of Harmoney Corp Limited (ASX:HMY).

 

By using this website, you are deemed to accept our Terms of Use.

Location
 

Level 17, Angel Place,

123 Pitt Street, Sydney, NSW, 2000, Australia

 
Contact

customerservice@harmoney.com.au

1300 042 766

Terms and conditions

 

1. Subject to approval. Harmoney’s unsecured interest rates range from 5.76% p.a. to 24.03% p.a. (Comparison Rate 5.76% p.a. to 24.98% p.a.) and secured interest rates range from 5.66% p.a. to 20.79% p.a. (Comparison Rate 5.66% p.a. to 21.71% p.a.). Rates are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.


2. Unsecured fixed interest rates range from 5.76% p.a. to 24.03% p.a. (comparison rates 5.76% p.a. to 24.98% p.a.) and secured fixed interest rates range from 5.66% p.a. to 20.79% p.a. (comparison rates 5.66% p.a. to 21.71% p.a.) on 36, 60 or 84 month terms. Rates are based on your individual credit assessment according to our credit scorecard.

 

3. Comparison rates: Our unsecured comparison rate of 5.76% and secured comparison rate of 5.66% are based on a personal loan of $30,000 over 5 years, for users with exceptional credit quality. WARNING: Comparison rates only apply to the example given. Different amounts and terms may result in different comparison rates. Costs, fees, charges (including government charges like stamp duty), and cost savings are not included in the comparison rate but may influence the cost of the loan.


4. An establishment fee of $275 applies to all loans up to $5,000 and $575 to loans of $5,000 and over.  Some applicants with strong credit profiles may be eligible for a $0 establishment fee. There are no monthly fees and no early repayment fees.

 

Example loan. For users with exceptional credit quality, for an unsecured loan of $20,000 borrowed for 36 months with a fixed interest rate of 5.76% p.a. (comparison rate 5.76% p.a.) the total amount you would need to repay would be $22,487 (made up of $20,000 in principal, $2,487 in interest and $0 in establishment fees).

 

Quote time is based on the fastest recorded completion time by a Quick Quote user in 2025. Individual times may vary.


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