[Home](/) > [Loans](/loan/) > [Online Loan](/loan/online-loan) > [$50,000](/loan/online-loan/50000) > 3 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-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 online loan

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

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

> "Quick and easy to apply and get feedback and approval.."
>
> — Mark D., 2 years ago (ShopperApproved), 4/5 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

> "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

> "Quick and simple to apply and get back to you fast"
>
> — Meagan N., 4 years ago (ShopperApproved), 5/5 stars

> "Thank you Harmoney I never expect to grant my loan so quickly without too much paperwork to ask and it helps a lot for my needs and family needs! Gods speed yah all the team."
>
> — Mariariza A., 4 years ago (ShopperApproved), 5/5 stars

> "Fast efficient service"
>
> — 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"
>
> — Lisa W., 6 days ago (Google), 5/5 stars

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