[Home](/) > [Loans](/loan/) > [Cash Loan](/loan/cash-loan) > [$3,000](/loan/cash-loan/3000) > 3 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-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)

## What customers say about cash loan

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

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

> "fast and easy, my money was in my bank account with in a week."
>
> — Phillip J., 3 years 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"
>
> — Liz W., 1 year ago (Google), 5/5 stars

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

> "Very Easy Loan Application
Quick Funds in the bank
Easy helpdesk"
>
> — Sharman, 4 years ago (ShopperApproved), 5/5 stars

> "A very fast and efficient product to get loan funds for a variety of goods. Highly recommended."
>
> — James W., 4 years ago (ShopperApproved), 5/5 stars

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

> "Very good and very happy with the results and God bless"
>
> — Baptista L., 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