[Home](/) > [Loans](/loan/) > [Online Loan](/loan/online-loan) > [$20,000](/loan/online-loan/20000) > 5 years

# 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/renovation-loan)
- [Holiday Expenses](/personal-loan/travel-loan)
- [Purchase Used Vehicle](/personal-loan/used-car-loan)
- [Purchase New Vehicle](/personal-loan/new-car-loan)
- [Business Cash Flow](/personal-loan/business-loans)

## What customers say about online loan

4.8 out of 5 from 20,957 reviews
ShopperApproved (18,693) · Google (1,897) · 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

> "Always easy and fantastic results"
>
> — Michael G., Yesterday (Google), 5/5 stars

> "I can't recommend Harmoney enough for their thorough yet simple process. They are the only ones willing to give me a second chance and consider my loan application. To those in desperate need, please consider this company – they are truly amazing, and I have no words to express my sincere gratitude for what they have done for me."
>
> — Geraldine E., 6 days ago (Google), 5/5 stars

> "I had a really good experience with Harmoney from start to finish. The team was friendly, professional, and always happy to answer my questions. They took the time to work with their credit team and were able to negotiate a better interest rate for me, which I really appreciated.

The whole process was straightforward, communication was excellent, and I never felt pressured. They kept me updated every step of the way and made everything easy to understand.

Thanks again to everyone at Harmoney for all your help and support. I really appreciate everything you’ve done for me, and I’d definitely recommend Harmoney to anyone looking for a personal loan."
>
> — Taio, 1 week ago (Google), 5/5 stars