[Home](/) > [Loans](/loan/) > [Fast Loan](/loan/fast-loan) > [$50,000](/loan/fast-loan/50000) > 3 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)