[Home](/) > [Loans](/loan/) > [Easy Loan](/loan/easy-loan) > [$20,000](/loan/easy-loan/20000) > 3 years

# 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)

## What customers say about easy loan

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

> "Amazing experience. Friendly staff, quick turnaround times, easy and smooth application submission process. Couldn't recommend more highly"
>
> — Lisa W., 6 days ago (Google), 5/5 stars

> "Simple application process and a good rate for consolidation loan"
>
> — James C., 2 years ago (Google), 5/5 stars

> "So quick, simple, easy and convenient. The team followed up every step of the way to assist with any questions I might have had, as well as after everything had settled. Super impressed and happy with my experience. Not something you'd get at any other lender."
>
> — Shane L., 4 years ago (Google), 5/5 stars

> "This is the best and easiest loan application experience I have ever had. There was great support along the way."
>
> — Cheryl M., 2 years ago (ShopperApproved), 5/5 stars

> "Loan application was quick & easy."
>
> — Joanne S., 5 years ago (ShopperApproved), 5/5 stars

> "Hassle free and easy and straightforward."
>
> — Anonymous C., 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

> "harmoney help me throught my hardest time during covid. company and team are very flexable helpful.i am recommand harmoney for people with genuine needs for their finacial harship.wish everyone well. thanks again"
>
> — Customer, 1 week ago (Google), 5/5 stars