[Home](/) > Loans

# Personal loans and car loans in Australia

Harmoney is a 100% online lender. We use risk-based pricing to analyse a rate just for you, based on your credit history, income, and existing commitments. Most loans are funded the same day.{{#nz}} Subject to responsible lending inquiries.{{/nz}} We have helped {{customer_count_formatted}} customers across Australia and New Zealand and facilitated over {{total_facilitated.value_formatted}} in personal loans since 2014. Harmoney Australia Pty Ltd holds Australian Credit Licence 474726 and is a member of the Australian Financial Complaints Authority (AFCA).

## Browse by need

- [Fast Loan](/loan/fast-loan) — Most loans funded the same day
- [Small Loan](/loan/small-loan) — Borrow a smaller amount
- [Cash Loan](/loan/cash-loan) — Quick cash when you need it
- [Low Interest Loan](/loan/low-interest-loan) — Find a low rate
- [Short Term Loan](/loan/short-term-loan) — Repay sooner
- [EV Loan](/loan/ev-loan) — Electric vehicle financing
- [Car Loan](/loan/car-loan) — Compare ways to finance a car

## Products

- [Personal Loan](/personal-loan)
- [Car Loan](/secured-loan)

## What our customers say

4.8 out of 5 from 20,957 reviews
ShopperApproved (18,693) · Google (1,897) · ProductReview (367)

> "Always easy and fantastic results"
>
> — Michael G., Yesterday (Google), 5/5 stars

> "I can't recommend Harmoney enough for their thorough yet simple process. They are the only ones willing to give me a second chance and consider my loan application. To those in desperate need, please consider this company – they are truly amazing, and I have no words to express my sincere gratitude for what they have done for me."
>
> — Geraldine E., 6 days ago (Google), 5/5 stars

> "I had a really good experience with Harmoney from start to finish. The team was friendly, professional, and always happy to answer my questions. They took the time to work with their credit team and were able to negotiate a better interest rate for me, which I really appreciated.

The whole process was straightforward, communication was excellent, and I never felt pressured. They kept me updated every step of the way and made everything easy to understand.

Thanks again to everyone at Harmoney for all your help and support. I really appreciate everything you’ve done for me, and I’d definitely recommend Harmoney to anyone looking for a personal loan."
>
> — Taio, 1 week ago (Google), 5/5 stars

> "Amazing service, very efficient. Quoted, approved and received money all in 30 mins."
>
> — Shariq A., 1 week ago (Google), 5/5 stars

> "Very understanding & easy process very happy"
>
> — Michael P., 2 weeks ago (Google), 5/5 stars

> "Exceptional service!!! I highly recommend 😊"
>
> — Jodie C., 2 weeks ago (Google), 5/5 stars