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
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See what reviewers are saying
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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After a glitch downloading my bank…
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 of my details & receiving a loan offer = 5 mins max. Funds transferred into my account within 10 minutes after accepting the offer (honestly).
Paid an existing loan out with CBA, far better interest rate & zero service fees & enough left over for a family holiday.
Advice - do a free online credit check first so you confidently what you can apply to borrow and what repayments to expect, also have a list of weekly expenditure ready to complete the application.
6 December 2024
Unprompted review
When going for a top up on a loan
When going for a top up on a loan, no raise in interest sho u ld occur and no receipt evaluation should be necessary. It is wrong to put a higher interest on a whole loan if you are allowing top ups.
26 November 2024
Reply from Harmoney
Thank you for your feedback regarding our Top Up loans.
When applying for a Top Up, the interest rate is determined based on updated information provided at the time of application. This can sometimes result in a change to the rate.
We’d be happy to review your account to better understand your situation. Please contact us at customerservice@harmoney.com.au or call 1300 042 766, and we’ll see if there’s anything we can do to assist.
Kind regards,
The Harmoney Team
Ease of aplication for loan
Ease of aplication for loan. Very quick of money going into bank. Customer service ensuring the direct debit day was ok
25 November 2024
Fantastic service
Fantastic service. Fast and easy to deal with deal. No complications or endless questions or paperwork. They get straight to the point and it’s done.
Well Done Harmoney !!
25 November 2024
You didn't pay out my loan and you gave…
You didn't pay out my loan and you gave me a higher rate ... then I had to pay out my loan because they still direct debited it disregarding your pay out.
26 November 2024
Reply from Harmoney
Thank you for sharing your feedback. We're sorry to hear about your experience and would like to look into this further for you.
Please reach out to our team at customerservice@harmoney.com.au or call us on 1300 042 766 with your details so we can investigate and resolve this matter promptly.
Kind regards,
The Harmoney Team
I received my money very quickly
I received my money very quickly. Thank you very much.
24 November 2024
best interest rates
Harmoney are a good lender with fair rates they are prompt, with good communication, helpful and flexible with Payments.
Nice work Harmoney go the allblacks NZ..lol
22 November 2024
Unprompted review
The whole experience from start to…
The whole experience from start to finish was easy and quick customer service is great and rates are fair. Keep up the great work.
28 October 2024
These guys are awesome easy to work…
These guys are awesome easy to work worth with money straight in the bank, best I've delat with in years.
28 October 2024
Easy application and fast service very…
Easy application and fast service very happy customer thank you team. Dean Mussett.
9 October 2024
Unprompted review
Was so quick and easy
Was so quick and easy. Money was in my account within minutes of approval
21 October 2024
Unprompted review
Very quick and easy process
Very quick and easy process! As a person that gets frustrated easily with technology, I can tell you this process was quite easy. Quickly got approved for $70k! Used it wisely of course main goal is to double it fast and I have returned what I owed them 35 days later. I am really happy with Harmoney and I plan to use them again soon.
5 September 2024
Unprompted review
Everyrhing from application to…
Everyrhing from application to acceptance was done quickly and effeicently. The people from start to finish were professional and friendly.
26 September 2024
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