[Home](/) > [Loans](/loan/) > [Online Loan](/loan/online-loan) > $10,000

# Apply from home — 100% online

Harmoney is 100% online — from rate check to funding. No paperwork to print, no payslips to scan, no branch appointments. Our automated assessment connects securely to your bank statements to verify your income in real time.

Every step of the Harmoney process is digital. Check your rate in about 60 seconds with a soft inquiry that does not affect your credit score. If you like the offer, verify your income by securely connecting your bank account — no documents to upload. Accept your loan electronically and most loans are funded the same day.{{#nz}} Subject to responsible lending inquiries.{{/nz}} You can manage your loan online at any time.

## Available products

- [Personal Loan](/personal-loan)

## Popular purposes

- [Debt Consolidation](/personal-loan/debt-consolidation)
- [Home Improvements](/personal-loan/home-improvement-loan)
- [Holiday Expenses](/personal-loan/holiday-loan)
- [Purchase Used Vehicle](/personal-loan/used-car-loan)
- [Purchase New Vehicle](/personal-loan/new-car-loan)
- [Business Cash Flow](/personal-loan/business-loan)

## What customers say about online loan

4.8 out of 5 from 20,936 reviews
ShopperApproved (18,693) · Google (1,876) · ProductReview (367)

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

> "Great service, easy to apply online.  hassle free and easy to use website"
>
> — Colin C., 4 years ago (ShopperApproved), 5/5 stars

> "Quick and easy to apply and get feedback and approval.."
>
> — Mark D., 1 year ago (ShopperApproved), 4/5 stars

> "Absolutely amazing, easy online application and minimal paperwork. Also wont be charged to pay off early.
Highly recommend"
>
> — Dylan, 2 years ago (ShopperApproved), 5/5 stars

> "Customer Service was Excellent. Answered all my questions and followed up to ensure I was aware of the outcome via phone call, text and email. The online app is great too, shows exactly the information one would want to know in relation to the loan."
>
> — Ali D., 1 year ago (ShopperApproved), 5/5 stars

> "So easy to apply online & quick response. When I had question customer service was amazing"
>
> — Tanya M., 1 year ago (ShopperApproved), 5/5 stars

> "Easy and straight forward application process."
>
> — Paul F., 2 weeks ago (Google), 5/5 stars

> "Fast, effective and great customer service"
>
> — Walter B., 2 weeks ago (Google), 5/5 stars

> "WOW, what a great experience - applied and approved in 20 minutes - Amazing - Thank you Harmoney - Highly Recommend"
>
> — Robert H., 2 weeks ago (Google), 5/5 stars