Rates and fees verified as correct at 19 May 2022. Other information correct at the time of writing. Advertiser disclosure.
| Product | Interest rate from | Comparison rate from | Upfront fee | |
|---|---|---|---|---|
| Low Rate Car Loan Excellent Credit (Fixed, Secured) |
5.35% p.a.to 19.09% p.a. |
6.14% p.a.to 19.99% p.a.based on $30,000 |
$575 |
|
| Unsecured Personal Loan (Fixed) |
5.35% p.a.to 19.09% p.a. |
6.14% p.a.to 19.99% p.a.based on $30,000 |
$575 |
Go to site |
No, Harmoney does not currently offer secured car loans. All of Harmoney's personal loans are unsecured, so you don't need to put down your new car or another vehicle as an asset. If you're after a secured loan option to purchase your new vehicle, head to Mozo's secured car loan comparison table.
With a Harmoney fixed rate car loan, the interest rate will be set at an agreed rate and stay at this rate until the end of the term that you've set the fixed loan at. Find out which option might suit your car-buying needs at Mozo's fixed and variable personal loan hubs.
Harmoney's minimum loan amount sits at $2,000 and goes right up to $50,000 offering you plenty of room to move.
This depends on your agreed fixed rate. Harmoney's fixed rates on an unsecured personal loan range between 6.14% p.a. to 25.74% p.a. based on $30,000 over 5 years. Your fixed rate will be based on an individual circumstance based on the borrower's credit assessment according to Harmoney's credit scorecard. Try a personalised calculation of your own using our car loan repayments calculator.
Harmoney are flexible on repayments, offering you the choice to choose between weekly, fortnightly or monthly repayments. This way you can choose a payment frequency that matches up with your salary payments.
They vary from 3-5 years. Work out how much you can comfortably pay back in each payment period, as this will help you determine the term that will work for you.
Yes, Harmoney offers a $0 early repayment fee, meaning you're free to pay off your loan early with no penalty if you choose.
Like most lenders, if you make a late repayment Harmoney may charge you a late payment fee. If a borrower's payment is dishonoured, a $15 fee is charged for the extra administration work required to re-process the payment. Harmoney does have a collections team to talk to if you are struggling to keep up with your repayments, but this must be done before any additional fees have been charged. A worst-case scenario could see you default on your loan if you can't manage to meet your repayments.
Simply scroll up to our list of Harmoney loans and click the blue 'go to site' button besides the loan name. Alternatively, visit Harmoney's website directly.
For a speedy application process, ensure you supply the following:
Once you’ve applied, expect to hear back from Harmoney shortly on the outcome. Best of luck and enjoy your new or used ride!