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# 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) — Get money fast
- [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

## Products

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

## 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., 2 weeks ago (Google), 5/5 stars

> "Fast, effective and great customer service"
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> — 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."
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> — Gee C., 3 weeks ago (Google), 5/5 stars

> "Super easy
Communication was great
Highly recommend ⭐️⭐️⭐️⭐️⭐️"
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> — Sarah O., 3 weeks ago (Google), 5/5 stars