Home # Harmoney Australia Pty Ltd Fixed-rate unsecured personal loan with no early repayment penalties. Interest rate determined by individual credit profile assessment. ## What we offer - **Unsecured interest rate:** 5.76% p.a. – 24.03% p.a. - **Secured interest rate:** 5.66% p.a. – 20.79% p.a. - **Unsecured comparison rate:** 5.76% – 24.98% p.a. - **Secured comparison rate:** 5.66% – 21.71% p.a. - **Loan amount:** $2,000 – $100,000 - **Loan terms:** 3 years, 5 years or 7 years - **Repayment frequency:** Weekly, fortnightly, or monthly - **Establishment fee:** $0, $275 or $575 - **Early repayment fee:** $0 - **Rate type:** Fixed rate - **Loan type:** Personal Loan / Car Loan - **Lightning FAST funding:** Typically less than 5 minutes ## Our products ### Personal Loan - Rates: 5.76% p.a. – 24.03% p.a. - Comparison rates: 5.76% – 24.98% p.a. - Fixed-rate unsecured personal loan with no early repayment penalties. Interest rate determined by individual credit profile assessment. ### Car Loan - Rates: 5.66% p.a. – 20.79% p.a. - Comparison rates: 5.66% – 21.71% p.a. - Fixed-rate vehicle loan secured against a car or motorbike via PPSR registration. Lower rates than unsecured lending, with no early repayment penalties. ## What our customers say 4.8 out of 5 from 20,936 reviews ShopperApproved (18,693) · Google (1,876) · ProductReview (367) > "Easy and straight forward application process." > > — Paul F., 1 week ago (Google), 5/5 stars > "Fast, effective and great customer service" > > — Walter B., 2 weeks ago (Google), 5/5 stars > "Harmoney have always been extremely supportive and helpful to me. They have assisted me financially for many years which I am grateful for." > > — Badreya A., 2 weeks ago (Google), 5/5 stars > "WOW, what a great experience - applied and approved in 20 minutes - Amazing - Thank you Harmoney - Highly Recommend" > > — Robert H., 2 weeks ago (Google), 5/5 stars > "Fast and efficient. Very kind and easy to work with." > > — Gee C., 2 weeks ago (Google), 5/5 stars > "Super easy Communication was great Highly recommend ⭐️⭐️⭐️⭐️⭐️" > > — Sarah O., 3 weeks ago (Google), 5/5 stars ## Eligibility To get a quote in Australia; You must be 18 years or older. You must be a Australian citizen, Permanent Resident, New Zealand citizen. Your credit file must not have any no defaults, judgments or bankruptcies. You must have paid employment (which may include self-employment). You need to borrow at least $2,000 with your loan. You need to have photo identification documents such as your valid Australian passport or driver's licence, to hand. ## Disclaimers 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 49 608 364 272) provides rate estimates and other services as an agent for Harmoney Australia Pty Ltd. Harmoney Australia Pty Ltd and Harmoney Services Australia Pty Ltd are fully owned subsidiaries of Harmoney Corp Limited (ASX:HMY). Important information: This calculator provides an estimate only and is not a credit proposal, quote, or pre-contractual statement. The repayment amounts shown are calculated using the standard amortisation formula for the selected payment frequency (weekly, fortnightly or monthly) based on the example loan amount, interest rate, and term entered. Actual repayment amounts will depend on the borrower's individual credit assessment, including the applicable interest rate, fees, loan amount, and term. The interest rates shown range from 5.76% to 24.03% p.a. and are subject to change. An establishment fee of $275 (loans under $4,999) or $575 (loans of $5,000 and over) may apply. The comparison rate is calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. WARNING: The comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. This calculator does not take into account your personal financial circumstances. Before applying, consider whether this product is appropriate for you. 1. Subject to approval. Harmoney offers fixed-rate unsecured personal loans at 5.76% p.a. to 24.03% p.a. (comparison rate 5.76% p.a. to 24.98% p.a.) and fixed-rate secured vehicle loans at 5.66% p.a. to 20.79% p.a. (comparison rate 5.66% p.a. to 21.71% p.a.). The rate offered to you depends on your individual credit assessment under Harmoney's credit scorecard. You must meet Harmoney's credit criteria and responsible lending requirements to be approved. Fees, charges, terms and conditions apply. 2. Harmoney personal loans are available on 3 years, 5 years or 7 years fixed-rate terms. The interest rate and comparison rate applicable to your loan depend on the loan type, loan amount, term selected, and your individual credit assessment. 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 $4,999 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. 5. 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 $21,826 (made up of $20,000 in principal, $1,826 in interest and $0 in establishment fees). 6. Quote time is based on the fastest recorded completion time by a Quick Quote user in 2025. Individual times may vary. 7. Subject to approval. Harmoney's interest 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.