[Home](/) > [Loans](/loan/) > [Cash Loan](/loan/cash-loan) > [$2,000](/loan/cash-loan/2000) > 7 years

# 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-loan)

## Popular purposes

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

## What customers say about cash loan

4.8 out of 5 from 20,957 reviews
ShopperApproved (18,693) · Google (1,897) · ProductReview (367)

> "Amazing service, very efficient. Quoted, approved and received money all in 30 mins."
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> — Shariq A., 1 week ago (Google), 5/5 stars

> "Fast and simple, had cash in my account within the hour. Helped alleviate a lot of stress without adding more- recommended"
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> — Liz W., 11 months ago (Google), 5/5 stars

> "So quick to follow up and provide funds"
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> — Anonymous C., 3 years ago (ShopperApproved), 5/5 stars

> "Very professional with dealing with my request and very prompt in delivery of the money into my account."
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> — Elizabeth, 4 years ago (ShopperApproved), 5/5 stars

> "Fast and efficient way to borrow money for inmediate needs"
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> — Rafael F., 2 years ago (ShopperApproved), 5/5 stars

> "Straight forward. No dramas. Much needed money got approved to give me some breather with my cash flow"
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> — Vaihan R., 3 years ago (Google), 5/5 stars

> "Always easy and fantastic results"
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> — Michael G., Yesterday (Google), 5/5 stars

> "I can't recommend Harmoney enough for their thorough yet simple process. They are the only ones willing to give me a second chance and consider my loan application. To those in desperate need, please consider this company – they are truly amazing, and I have no words to express my sincere gratitude for what they have done for me."
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> — Geraldine E., 6 days ago (Google), 5/5 stars

> "Very understanding & easy process very happy"
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> — Michael P., 2 weeks ago (Google), 5/5 stars