[Home](/) > [Loans](/loan/) > [Easy Loan](/loan/easy-loan) > [$25,000](/loan/easy-loan/25000) > 7 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-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 easy loan

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

> "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., 3 years ago (Google), 5/5 stars

> "Applying for a loan was quick, easy and painless."
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> — Brian W., 1 year ago (ShopperApproved), 5/5 stars

> "Very simple process and a lot of call backs to ensure everything was tracking well. Fast, simple and easy."
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> — Daniel, 6 years ago (ShopperApproved), 4/5 stars

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

> "My loan application was fast and easy to complete and all was done online.Great!"
>
> — Ztakaruva, 4 years ago (Google), 5/5 stars

> "So simple and easy. Takes the stress out of borrowing. Thank you"
>
> — Trish, 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