Based on 13 Harmoney product reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.

Harmoney car loans

Harmoney launched in 2014, offering a range of personal loans across their brand. With car loans ranging 3-5 years, Harmoney has previously taken out Mozo Experts Choice Awards in 2017 and 2018. Check out the range of Harmoney loans below, and read the frequently asked questions section to find out more information.

Harmoney offers the following car loans

Rates and fees verified as correct at 20 June 2024. 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)

5.66% p.a.to 20.07% p.a.

6.45% p.a.to 20.98% p.a.based on $30,000
over 5 years


Low Rate Car Loan Excellent Credit (Fixed, Unsecured)

5.76% p.a.to 24.03% p.a.

6.55% p.a.to 24.98% p.a.based on $30,000
over 5 years


Unsecured Personal Loan (Fixed)

5.76% p.a.to 24.03% p.a.

6.55% p.a.to 24.98% p.a.based on $30,000
over 5 years


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Harmoney car loans FAQs

What is a fixed rate car loan?

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. 

How much can my car cost to take advantage of this loan?

Harmoney's minimum loan amount sits at $2,000 and goes right up to $50,000 offering you plenty of room to move.

What would loan repayments with Harmoney look like?

This depends on your agreed fixed rate. Harmoney's fixed rates on an unsecured personal loan range between 5.95% p.a. to 22.03% 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.

How frequently can I make Harmoney loan repayments?

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.

What do Harmoney terms look like?

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.

Can I make extra loan repayments?

Yes, Harmoney offers a $0 early repayment fee, meaning you're free to pay off your loan early with no penalty if you choose.

What happens if I make a late repayment?

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.

If you make a late repayment on a secured loan, your assets could be seized.

I'm in! How do I apply?

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:

  • Proof of ID such as your driver’s licence and/or passport number
  • Details of residency within Australia
  • A list of your assets and liabilities
  • Salary figures and employment details

Once you’ve applied, expect to hear back from Harmoney shortly on the outcome. Best of luck and enjoy your new or used ride!

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Harmoney car loans

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