[Home](/) > [Loans](/loan/) > [Cash Loan](/loan/cash-loan) > [$4,000](/loan/cash-loan/4000) > 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-loan)

## Popular purposes

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

## What customers say about cash loan

4.8 out of 5 from 20,936 reviews
ShopperApproved (18,693) · Google (1,876) · ProductReview (367)

> "Fast and simple, had cash in my account within the hour. Helped alleviate a lot of stress without adding more- recommended"
>
> — Liz W., 9 months ago (Google), 5/5 stars

> "So quick to follow up and provide funds"
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> — Anonymous C., 2 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, 3 years ago (ShopperApproved), 5/5 stars

> "Fast and efficient way to borrow money for inmediate needs"
>
> — 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"
>
> — Vaihan R., 3 years ago (Google), 5/5 stars

> "Quick and easy application.  I recommend to anyone who needs help financially."
>
> — Jacob, T., 3 years ago (ShopperApproved), 5/5 stars

> "Easy and straight forward application process."
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> — Paul F., 2 weeks ago (Google), 5/5 stars

> "Fast, effective and great customer service"
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> — Walter B., 2 weeks ago (Google), 5/5 stars

> "WOW, what a great experience - applied and approved in 20 minutes - Amazing - Thank you Harmoney - Highly Recommend"
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> — Robert H., 2 weeks ago (Google), 5/5 stars