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# Simple online loan application{{#nz}} — subject to responsible lending inquiries{{/nz}}

Harmoney is 100% online. No paperwork. No branch visits. No waiting for callbacks. Check your rate in about 60 seconds — it will not affect your credit score. If you like the offer, complete your application online and most loans are funded the same day.{{#nz}} Subject to responsible lending inquiries.{{/nz}}

Traditional loan applications mean forms, payslips, branch appointments, and days of waiting. Harmoney replaces all of that with a secure online process. We connect to your bank statements in real time to verify your income — no documents to scan or upload. Our automated assessment analyses your credit profile and gives you a personalised rate, not a generic estimate. From rate check to funding, most customers complete the entire process in the same day.{{#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)