The only two things that stood between Harmoney and five stars: 1) Interest rates are a bit on the steep side; 2) Their customer service staff, while absolute gold, are located in New Zealan... See more
Company replied
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Easy, straightforward application. Response was quick and hassle-free. Funds deposited quickly, within hours. Only negative is the high interest rate, espcially since i have a very good credit rati... See more
After a glitch downloading my bank statements which turned out to be the CBA not Harmoney everything went smoothly. Completing the info on the quote request = 10 mins. Waiting for the assessment o... See more
Smooth, seamless, hassle free, super quick and super duper easy experience from beginning till end. Thanks a lot to everyone who’s behind this brilliant customer journey creation!
Company details
- #17 of 19 best companies in Car Finance and Loan Company
Written by the company
Since our beginnings in 2014, Harmoney has sought to transform the way people borrow and lend money. We have created Australasia's largest personal loan marketplace, having facilitated over $2.1 billion in loans to nearly 50,000 customers on both sides of the Tasman, giving people more choices and options. Along the way, we have created over 100 jobs and created a purpose-driven culture focusing on helping people do better through technology, big data, and responsible lending.
Contact info
Governor Philip Tower, Australia Square, Level 36/1 Farrer Pl, 2000, Sydney, Australia
- 1300 042 766
- harmoney.com.au
4.6
Excellent
154 reviews
Replied to 33% of negative reviews
Typically replies within 24 hours
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Very quick response and very good…
Very quick response and very good service 👍
10 February 2025
Unprompted review
Wouldn’t use Harmoney again.
Wouldn’t use Harmoney again.
There are a lot better companies out there.
I would suggest pepper money for anyone looking for a better service
28 January 2025
Reply from Harmoney
Hi Andrew,
We’re sorry to hear that your experience with Harmoney didn’t meet your expectations. We always strive to provide the best service possible, and we’d love to understand more about what didn’t work for you. If you’d be open to sharing your feedback, please feel free to reach out to our team at customerservice@harmoney.com.au or call us on 1300 042 766.
The Harmoney Team
Pain FREE process
It was actually the most easiest pain free process I've ever done for a car loan. Would Recommend
31 January 2025
Unprompted review
Harmony could not have made the process…
Harmony could not have made the process easier, it was quick, easy to follow and understand, and to have quick chat available through the process invaluable.
25 January 2025
Unprompted review
Easy, straightforward & quick
Easy, straightforward application. Response was quick and hassle-free. Funds deposited quickly, within hours.
Only negative is the high interest rate, espcially since i have a very good credit rating, and the high application fee (but i guess thats what you pay for a quick, easy application!) AND I didn't feel overly comfortable about providing my banking login for them to verify my income, etc.
But I'm glad I can make extra payments/pay it off earlier without penalty.
30 December 2024
Swift digital loan platform with competitive rates
Swift digital loan platform delivering competitive rates and seamless borrowing experience. Offers instant online applications with rapid approval processes, user-friendly digital interface, and responsive customer support. Designed for modern borrowers seeking efficient, transparent, and convenient lending solutions with minimal paperwork and maximum convenience.
30 December 2024
Was very easy to get a loan..
Was very easy to get a loan... but was a hassle when there was an issue and they rang and chat..and kept saying 24 hours 24 hours 24 hours... but when they did fix it... was great was happy in the end
8 January 2025
Unprompted review
Reply from Harmoney
Hi Jye,
Thank you for your feedback. We’re glad you found the loan process easy and were happy with the resolution in the end. We’re sorry for the delays you experienced and appreciate your patience.
If there’s anything further we can assist with, feel free to contact us at customerservice@harmoney.com.au or 1300 042 766.
Best regards,
The Harmoney Team
I have been impressed with the…
I have been impressed with the professionalism and patience of Harmoney staff.
8 January 2025
Fast and easy process
Fast and easy process. Next day funds transfer. Great communication. Entire process completed online in a few minutes. Competitive rates. Highly recommended.
30 December 2024
I have been waiting since the 4th of…
I have been waiting since the 4th of December to settle my consolidation loan and have been given the same answer week in week out and I will have to pay my first repayment before my debts are settled would never recommend them or use Harmoney again
30 December 2024
Unprompted review
Reply from Harmoney
Hi Jordan,
Thank you for sharing your experience with us. We deeply regret the frustration and inconvenience you faced during the process of settling your consolidation loan.
The delays were caused by ongoing difficulties in receiving and verifying the correct bank account details, which unfortunately led to multiple setbacks. Our team worked diligently to address these issues, including flagging them with our support team and coordinating updated information with you.
We’re pleased that the funds were successfully disbursed to the correct accounts on January 6, 2025, and your direct debit details were updated. However, we acknowledge that the process took longer than expected, and we sincerely apologise for the stress this caused.
At Harmoney, we are committed to learning from experiences like yours to improve our processes and ensure a smoother journey for all our customers.
If you would like to discuss this further or have additional concerns, please don’t hesitate to contact us at customerservice@harmoney.com.au or call 1300 042 766.
Thank you again for your feedback.
Kind regards,
The Harmoney Team
Very quick and easy to follow process
Very quick and easy to follow process. Highly recommended.
27 December 2024
Unprompted review
Simple from start to finish
Easy and straightforward to apply.
No hassles, good rates for unsecured loan. Payment made quickly
17 December 2024
Unprompted review
What an experience!
What an experience!! I am a banker of 27 years and this by far is the best group to deal with. AMAZING!!!
6 December 2024
Unprompted review
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