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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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
155 reviews
Replied to 33% of negative reviews
Typically replies within 24 hours
How this company uses Trustpilot
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DO NOT WASTE YOUR TIME!
Harmoney boasts a interest rate of just under 6% for carloans, the actual interest rate (after credit check) is 15.99% and could only loan $20,000 to a person who can secure the debt and earns more then enough money to just by the car outright with savings... 15.99% is actually on the extreme high end of the market. This conduct is deceptive and missleading and top of all that I have given my personal details to this company who will probably make their money selling it on.
1 October 2024
Unprompted review
Reply from Harmoney
Thank you for sharing your feedback. Harmoney aims to provide clear and transparent loan options, and we're sorry to hear about your experience.
Our secured car loan rates start from 5.66%, and the specific interest rate offered after a credit check is tailored to your financial profile. This personalised approach takes into account your credit history and ability to repay, which helps us offer responsible lending options.
Additionally, Harmoney does not sell personal information. Your data is strictly protected under our privacy policies, available on our website, and is only used to process your application.
If you have further questions or would like more clarification on our process, please reach out to us at customerservice@harmoney.com.au or by calling 1300 042 766.
Easy to apply for a loan
Easy to apply for a loan. Great customer service. Everything is explained in detail.
Highly recommend harmony
18 September 2024
Unprompted review
Excellent communication and fast…
Excellent communication and fast response. Great service
27 August 2024
I had the easiest loan experience with…
I had the easiest loan experience with Harmoney friendly staff and loan was approved quickly and money deposited within minutes of loan completion couldn’t ask for a better experience than this thanks .
5 September 2024
Unprompted review
The consultants where’s very helpful…
The consultants where’s very helpful and prompt. Although I got a few repetitive questions on a few phone calls, they still did a great job
28 August 2024
The overall process is very quick
The overall process is very quick, easy and not too invasive.
Was hoping for a better interest rate though.
28 August 2024
Quick and easy
Requested a quote online, got a call back with an offer within 10 minutes, they answered all my questions and money was in my account within the hour. I didn’t expect to get approved. These guys were a pleasure to deal with.
4 September 2024
Unprompted review
I’m looking online for the hardship…
I’m looking online for the hardship form couldn’t find it, and still waiting for it.
27 August 2024
Reply from Harmoney
You can find detailed information about applying for unforeseen financial hardship on our website, here (https://www.harmoney.co.nz/legal/unforeseen-financial-hardship).
Alternatively, please contact our team directly at customerservice@harmoney.com.au or call us on 1300 042 766, and we can assist you.
Kind regards,
The Harmoney Team
Life Changing
At the moment I am not working and having trouble with some medical issues which I will overcome and get back to normal I appreciate your patience with me you guys are number one in my book cheers thanks Darren 👍
28 March 2024
Unprompted review
Super easy in all aspects
I didn’t originally utilise the entire approved loan. Having access to the remainder of the loan was as simple as a couple of clicks. Super easy.
21 August 2024
Unprompted review
Quick and easy to apply
Quick and easy to apply, Staffs are So Helpful. Love this company. Thanks Harmony!
18 August 2024
Unprompted review
The whole process was very quick &…
The whole process was very quick & easy. Just the way I like it to be.
26 July 2024
Always a great service and completed in…
Always a great service and completed in a super fast time 💫
25 July 2024
Quick and hassle-free.
12 July 2024
Unprompted review
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