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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-loan)

## Popular purposes

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

## What customers say about easy loan

4.8 out of 5 from 20,957 reviews
ShopperApproved (18,693) · Google (1,897) · 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."
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> — Shane L., 4 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!"
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> — Ztakaruva, 4 years ago (Google), 5/5 stars

> "So simple and easy. Takes the stress out of borrowing. Thank you"
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> — Trish, 4 years ago (ShopperApproved), 5/5 stars

> "Always easy and fantastic results"
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> — Michael G., Yesterday (Google), 5/5 stars

> "I had a really good experience with Harmoney from start to finish. The team was friendly, professional, and always happy to answer my questions. They took the time to work with their credit team and were able to negotiate a better interest rate for me, which I really appreciated.

The whole process was straightforward, communication was excellent, and I never felt pressured. They kept me updated every step of the way and made everything easy to understand.

Thanks again to everyone at Harmoney for all your help and support. I really appreciate everything you’ve done for me, and I’d definitely recommend Harmoney to anyone looking for a personal loan."
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> — Taio, 1 week ago (Google), 5/5 stars

> "Amazing service, very efficient. Quoted, approved and received money all in 30 mins."
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> — Shariq A., 1 week ago (Google), 5/5 stars