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# A great rate analysed just for you

Harmoney personal loans start {{unsecured.rate_min_pct}}%–{{unsecured.rate_max_pct}}% p.a.{{#au}} ({{unsecured.comparison_rate_min_pct}}%–{{unsecured.comparison_rate_max_pct}}% p.a. comparison rate*){{/au}}{{#nz}} Establishment fee {{currency_symbol}}{{unsecured.establishment_fee_formatted}}.{{/nz}} for borrowers with strong credit profiles. Your rate is analysed just for you — based on your credit history, income, and existing commitments. It is fixed for the life of the loan.

When you are comparing rates, the headline number is only part of the picture. Fees, comparison rates, and repayment flexibility matter just as much.{{#au}} Under Australian law, lenders must show a comparison rate that includes both the interest rate and most fees, so you can compare like with like. Harmoney's comparison rates range from {{unsecured.comparison_rate_min_pct}}% to {{unsecured.comparison_rate_max_pct}}% p.a. on a {{currency_symbol}}{{disclaimers.comparison_rate_assumptions.principal_formatted}} loan over {{disclaimers.comparison_rate_assumptions.term_years}} years.{{/au}} Because Harmoney uses risk-based pricing, your rate reflects your individual credit profile — not a one-size-fits-all number. Check your rate in about 60 seconds with no impact on your credit score.{{#nz}} Subject to responsible lending inquiries.{{/nz}}

## Available products

- [Personal Loan](/personal-loans)
- [Car Loan](/secured-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)