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# 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-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)