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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) — 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-loans)
- [Car Loan](/secured-loans)