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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)

## What our customers say

4.8 out of 5 from 20,986 reviews
ShopperApproved (18,693) · Google (1,925) · ProductReview (368)

> "Fast efficient service"
>
> — Mario M., Yesterday (Google), 5/5 stars

> "Amazing experience. Friendly staff, quick turnaround times, easy and smooth application submission process. Couldn't recommend more highly"
>
> — Lisa W., 6 days ago (Google), 5/5 stars

> "Very good and very happy with the results and God bless"
>
> — Baptista L., 1 week ago (Google), 5/5 stars

> "I had a fantastic experience with Harmony. The entire finance process was easy, straightforward and completely hassle-free. I received an awesome interest rate for my car, was approved within minutes, and the funds were in my account overnight. I couldn’t be happier with the service and would highly recommend Harmony to anyone looking for fast and affordable finance."
>
> — Bob B., 1 week ago (Google), 5/5 stars

> "Honestly never had a better experience. Got a car loan. Application reviewed in a few minutes and got the money lest than 10 minutes. The whole process took less than one hour and I got the best rate. Highly recommended"
>
> — Reza A., 2 weeks ago (Google), 5/5 stars

> "Sweet and Eazy hassle free"
>
> — Andrew J., 2 weeks ago (Google), 5/5 stars