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# Finance your next car

Harmoney offers two ways to finance a car. A secured car loan {{secured.rate_min_pct}}%–{{secured.rate_max_pct}}% p.a.{{#au}} ({{secured.comparison_rate_min_pct}}%–{{secured.comparison_rate_max_pct}}% p.a. comparison rate*){{/au}} uses the vehicle as security for a lower rate, or an unsecured personal loan {{unsecured.rate_min_pct}}%–{{unsecured.rate_max_pct}}% p.a.{{#au}} ({{unsecured.comparison_rate_min_pct}}%–{{unsecured.comparison_rate_max_pct}}% p.a. comparison rate*){{/au}}{{#nz}} Establishment fee {{currency_symbol}}{{unsecured.establishment_fee_formatted}}.{{/nz}} keeps the title clear. Both have $0 early repayment fees and $0 monthly fees.

Whether you are buying new or used, from a dealer or a private seller, Harmoney can help with the purchase price. A secured car loan uses the vehicle as collateral via PPSR registration, which typically means a lower interest rate. An unsecured personal loan does not require the vehicle as security, giving you more flexibility but at a higher rate. In both cases, your rate is fixed for the life of the loan, and there are no early repayment fees.

## Available products

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

## Popular purposes

- [Purchase Used Vehicle](/personal-loans/used-car-loan)
- [Purchase New Vehicle](/personal-loans/new-car-loan)
- [Debt Consolidation](/personal-loans/debt-consolidation)
- [Home Improvements](/personal-loans/renovation-loan)
- [Holiday Expenses](/personal-loans/travel-loan)
- [Business Cash Flow](/personal-loans/business-loans)

## What customers say about car loan

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

> "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

> "We refinanced our car loan with Harmoney recently. Their website and virtual process was so easy to follow. End result was a much lower fixed interest rate with no application fee without the need to speak to a consultant. Well done Harmoney and thanks heaps!"
>
> — Evan C., 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

> "OMG!! Harmony are the ultimate best, the application process is excellent, easy, fast, just need to have all you information ready to answer questions and have your ID. Now I will be able to purchase the car I want with ease thanks to Harmony. It’s all in the name Harmony, it was nothing but harmony using their application process and I will definitely use them again in the future. Thank you Harmony 🩷"
>
> — Tina M., 1 month ago (Google), 5/5 stars

> "The application process was extremely easy and fully automated. I was offered a competitive rate no other finance provider could match. The best part was that I have received the funds for my car loan immediately and then registered the car as a security once the purchase was finalised. I couldn't imagine this process being any faster or easier."
>
> — Helge K., 1 month ago (Google), 5/5 stars

> "I found Harmoney to be fantastic! Thank you so much for advancing the loan so quickly! Now I can get a new car! Highly recommended 😃😃"
>
> — Rich K., 4 years ago (Google), 5/5 stars

> "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