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# Most of our loans are funded the same day

Most Harmoney loans are funded the same day.{{#nz}} Subject to responsible lending inquiries.{{/nz}} Our 100% online application takes about 60 seconds to check your rate — and it will not affect your credit score.

When you need money quickly, the last thing you want is a slow process. Harmoney is 100% online — no paperwork, no branch visits, no waiting for callbacks. Our automated assessment connects securely to your bank statements to verify your income in real time, so most applications are assessed in minutes, not days. Once approved, funds are typically in your account 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 fast loan

4.8 out of 5 from 20,957 reviews
ShopperApproved (18,693) · Google (1,897) · ProductReview (367)

> "Quick and EASY! Completed and approved the same day, constant updates on money being deposited in my account. Provided me with great relief."
>
> — Phil, 4 years ago (ShopperApproved), 5/5 stars

> "Quick easy and very effiecient, 10mins to apply and if approved money is received within 24hrs"
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> — Osha, 3 years ago (ShopperApproved), 5/5 stars

> "Fantastic service great interest rate. Money transferred within 1/2 hour of approval."
>
> — Teresa W., 1 year ago (Google), 5/5 stars

> "Everything was fast, easy and no hassles. Money was approved in minutes and money in bank in no time."
>
> — Craig S., 11 months ago (Google), 5/5 stars

> "quick, use digital documents, easy to use."
>
> — Jennifer G., 2 years ago (ShopperApproved), 5/5 stars

> "Very fast. Once all required information given, and accepted, pay out is immediate. Thank you"
>
> — Johnathan K., 7 months ago (Google), 5/5 stars

> "Always easy and fantastic results"
>
> — 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."
>
> — Shariq A., 1 week ago (Google), 5/5 stars