[Home](/) > [Loans](/loan/) > [Fast Loan](/loan/fast-loan) > [$3,000](/loan/fast-loan/3000) > 7 years

# 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-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 fast loan

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

> "Easy to deal with and if your application got approved, they deposited the money in minutes"
>
> — Therhein75, 8 months ago (Google), 5/5 stars

> "Very fast. Once all required information given, and accepted, pay out is immediate. Thank you"
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> — Johnathan K., 9 months ago (Google), 5/5 stars

> "Very helpful and fast loan approval"
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> — Stein, 4 years ago (ShopperApproved), 5/5 stars

> "Quick application with competitive rates and fast deposit once money sourced. Much better repayments and interest rates than other lenders."
>
> — Cheryl, 2 years ago (ShopperApproved), 5/5 stars

> "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

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

> "Fast efficient service"
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> — 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