Harmoney logo

Harmoney Unsecured Personal Loan

Advertiser disclosure
Interest rate from
5.76% p.a.to 24.03% p.a.
Comparison rate from
6.55% p.a.to 24.98% p.a.based on $30,000
over 5 years
Upfront fee
$575.00
Go to site

Mozo editorial review Harmoney Unsecured Personal Loan - last updated: 14 November 2023

binocular icon
What's hot
  • Competitive rates for creditworthy borrowers
  • No ongoing fees
  • Loan top up feature
What's not
  • $275 or $575 upfront fee
Mozo snapshot

If you’re in the market for a low interest rate, no ongoing fees and the flexibility to make early repayments Unsecured Personal Loan from Harmoney could be the perfect match for you. While there is an upfront fee to keep in mind, this unsecured personal loan offers a range of features that might appeal to borrowers with excellent credit.

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Key features

With competitively low fixed rates starting from only 5.76% (6.55% comparison rate*) and nifty account features, such as a redraw facility to access extra repayments, the unsecured personal loan offered by Harmoney has a lot going for it.

While Harmoney interest rates start lower than the average unsecured personal loan, depending on the borrower’s credit history, they can climb all the way up to 24.03% (24.98% comparison rate*), making this loan more suitable for those with strong credit ratings.

Harmoney offers loans between $2,000 to $70,000. When you want to borrow more, you can apply to top up your funds for a $575 fee payable on approval. Harmoney loan terms can be either 3, 5 or 7 years, on a repayment frequency of your choice - either weekly, fortnightly or monthly.

And because Harmoney is totally online, you'll pay no admin fees. Just keep in mind, you will have to pay an upfront fee with this loan - $275 for loans under $5,000 and $575 for loans $5,000 and over. 



snapshot
Who is it good for

Aussies looking to make small or medium sized purchases using a personal loan that comes with a competitively low fixed interest rate, in return for their top notch credit rep.

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Any catches

You’ll need to pay $575 upront for loans $5,000 and over (or $275 for loans under $5,000). And don’t forget that a poor credit history will lead to a higher rate with Harmoney.

Details

Rates and fees information correct as at 21 June 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

Fixed

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

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

Fees

$575.00

$0.00

$15.00

$0.00

$0.00

Other financial bits

$2,000.00

$70,000.00

3 Years

7 Years

Unsecured

Features

-

Weekly, Fortnightly, Monthly

yes

no

Establishment fee is added to the loan amount and interest is charged on the total amount.

Establishment fee is $275 for loans under $5,000.

WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Customer Reviews

How are Harmoney personal loans rated by the Mozo community?

Overall
5.3/10
Price
4.2/10
Features
4.2/10
Customer service
6.3/10
Convenience
6.0/10
Trust
5.0/10
Based on 13 Harmoney personal loan reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

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