about us blog back close the menu borrow top up your loan debt consolidation car loans home improvements holiday loans business loans wedding loans education loans medical expenses borrower faqs payment protect application process back close the menu lend auto lend lender blog fee changes for lenders custom filters diversification & fractionalisation investment risks lender faqs marketplace statistics repeat borrowers rewrites realised annual return payment protect back close the menu harmoney on social media facebook twitter linkedin google back close the menu legal help contact us blog site map back close the menu about us company story team members directors media press releases advisory board customer reviews competition winners television adverts contact us awards and recognition compliance back close the menu how it works our collections process unsecured personal loans comprehensive credit reporting ccr marketplace management how harmoney earns revenue the marketplace general faqs interest rates & fees legal agreements unforeseen hardship glossary of terms back close the menu blog personal finance lender newsletters lifestyle p2p news q & as peer to peer harmoney show menu harmoney apply today borrow lend how it works about us menu sign in welcome to harmoney where everyday people lend money to other everyday people for everyday things . lend diversification reliable asset class f.m.a. regulated lend or call0800 427 666 mon fri 9am 6pm borrow 100 % online funded in 24hrs personalised rates borrow or call0800 427 666 mon fri 9am 6pm welcome to harmoney welcome to harmoney where everyday people lend money to other everyday people for everyday things . where everyday people lend money to other everyday people for everyday things . lend money lend money diversification reliable asset class f.m.a. regulated diversification reliable asset class f.m.a. regulated learn more borrow money borrow money 100 % online funded in 24hrs personalised rates 100 % online funded in 24hrs personalised rates get started or call us now on 0800 427 666 click to see all reviews click to see all reviews click to see all reviews harmoney has matched borrowers and lenders for loans totalling 334 million . 8 761 for debt consolidation 2 682 for home improvements 2 006 for travel 1 282 for used vehicles 764 for business cash flow 566 for household items plus 5 773 other loans . harmoney has matched borrowers and lenders for loans totalling 334 million . 8 761 for debt consolidation 2 682 for home improvements 2 006 for travel 1 282 for used vehicles 764 for business cash flow 566 for household items plus 5 773 other loans . why is harmoney the best choice for you we give borrowers a fair deal personalised interest rates from 9.99 % p.a. 5 star canstar rating for value a1 a5 100 % online with no paperwork unsecured loans up to 35 000 99 % of loans are funded within 24hrs . personalised rates from 9.99 % p.a. 5 stars canstar rating for value a1 a5 100 % online with no paperwork unsecured loans up to 35 000 99 % of loans are funded within 24hrs . start now start now we give lenders better returns average realised annual return of 13 % 30 million in interest paid to lenders so far proven reliability of customer credit diversification of your portfolio f.m.a licensed and regulated . average realised return of 13 % 30 millon in interest paid to lenders proven reliability of customer credit diversification of your portfolio f.m.a licensed and regulated . about lending what is peer to peer lending and why is it better harmoney is a peer to peer money marketplace where everyday people can borrow money from and lend money to other everyday people . hence the term peer to peer . harmoney is not the one lending the money our lenders do that . instead our role is to administer the marketplace as well as acting as an intermediary between borrowers and lenders so you can keep your anonymity . so why is this a great option for you if you re borrowing we give you access to fairer rates and the flexibility to borrow money on your own terms . if you re lending we give you access to superior investment returns while diversifying your investment portfolio . find out how it works . start an application what is peer to peer lending and why is it better harmoney is a peer to peer money marketplace where everyday people borrow money from and lend money to other everyday people . hence the term peer to peer . harmoney is not the one lending the money our lenders do that . instead our role is to administer the marketplace as well as acting as an intermediary between borrowers and lenders so you can keep your anonymity . so why is this a great option for you if you re borrowing we give you access to fairer rates and the flexibility to borrow money on your own terms . if you re lending we give you access to superior investment returns while diversifying your investment portfolio . start now unsecured personal loan calculator how much would you like to borrow select your preferred loan term 36 month term weekly repayments 60 month term weekly repayments enter amount from 1 000 35 000 1 000 loan amount 35 000 get your loan 100 % online application rates from 9.99 % up to 35 000 unsecured funded in hours 99 % of loans are funded in 24 hours after submission to the marketplace fy17 . repayments are based on an indicative interest rate and are only a guide . harmoney s interest rates start from 9.99 % p.a. subject to a successful credit assessment and approval you will be offered a rate based on your individual circumstances . close who s talking about us back sign in get started harmoney legal help contact us blog site map find us on social media follow us on twitter find us on facebook connect with us on linkedin follow us on google plus harmoney limited fsp373486 is licensed to provide a peer to peer lending service under part 6 of the financial markets conduct act 2013 . the conditions of the licence imposed by the financial markets authority are published on www.fspr.govt.nz . 375.00 platform fee . fixed rates range from 9.99 % p.a. to 39.99 % . p.a. on 36 to 60 month terms with no early repayment penalties . borrow top up your loan debt consolidation car loans home improvements holiday loans business loans wedding loans education loans medical expenses borrower faqs payment protect application process lend auto lend lender blog fee changes for lenders custom filters diversification & fractionalisation investment risks lender faqs marketplace statistics repeat borrowers rewrites realised annual return payment protect how it works our collections process unsecured personal loans comprehensive credit reporting ccr marketplace management how harmoney earns revenue the marketplace general faqs interest rates & fees legal agreements unforeseen hardship glossary of terms about us company story team members directors media press releases advisory board customer reviews competition winners television adverts contact us awards and recognition compliance blog personal finance lender newsletters lifestyle p2p news q & as peer to peer harmoney on social media facebook twitter linkedin google