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# A personal loan — not a payday loan

A Harmoney personal loan is not a cash advance or a payday loan. It is a fixed-rate personal loan with transparent terms, no hidden fees, and $0 early repayment penalties. Most loans are funded the same day.{{#nz}} Subject to responsible lending inquiries.{{/nz}}

When you search for cash loans, most results are payday lenders or cash advance providers with short terms, high fees, and rollover traps. A Harmoney personal loan is different — it is a regulated consumer credit product with fixed rates, fixed repayments, and the full protection of {{#au}}the National Consumer Credit Protection Act{{/au}}{{#nz}}the Credit Contracts and Consumer Finance Act{{/nz}}. Check your rate in about 60 seconds with no impact on your credit score.{{#nz}} Subject to responsible lending inquiries.{{/nz}}

## Available products

- [Personal Loan](/personal-loans)

## Popular purposes

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