[Home](/) > [Loans](/loan/) > [Low Interest Loan](/loan/low-interest-loan) > [$70,000](/loan/low-interest-loan/70000) > 7 years

# 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)

## What customers say about low interest loan

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

> "Just excellent quick service. And interest rate just affordable."
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> — Carolene J., 4 years ago (ShopperApproved), 5/5 stars

> "Simple and easy, fair interest rate."
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> — Brent L., 4 years ago (ShopperApproved), 5/5 stars

> "Quick and easy with a competitive interest rate!"
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> — Duncan C., 3 years ago (Google), 5/5 stars

> "We refinanced our car loan with Harmoney recently. Their website and virtual process was so easy to follow. End result was a much lower fixed interest rate with no application fee without the need to speak to a consultant. Well done Harmoney and thanks heaps!"
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> — Evan C., 1 week ago (Google), 5/5 stars

> "Honestly never had a better experience. Got a car loan. Application reviewed in a few minutes and got the money lest than 10 minutes. The whole process took less than one hour and I got the best rate. Highly recommended"
>
> — Reza A., 2 weeks ago (Google), 5/5 stars

> "I had a fantastic experience with Harmony. The entire finance process was easy, straightforward and completely hassle-free. I received an awesome interest rate for my car, was approved within minutes, and the funds were in my account overnight. I couldn’t be happier with the service and would highly recommend Harmony to anyone looking for fast and affordable finance."
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> — Bob B., 1 week ago (Google), 5/5 stars

> "Fast efficient service"
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> — Mario M., Yesterday (Google), 5/5 stars

> "Amazing experience. Friendly staff, quick turnaround times, easy and smooth application submission process. Couldn't recommend more highly"
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> — Lisa W., 6 days ago (Google), 5/5 stars

> "Very good and very happy with the results and God bless"
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> — Baptista L., 1 week ago (Google), 5/5 stars