Harmoney Personal Loans
Harmoney is New Zealand’s leading peer to peer lending service with over $1billion in funded loans so far. There are over 312,000 members that participate in the service offered by Harmoney loans. Despite being peer to peer, they have bank level security with their 256bit SSL encryption. They are also regulated by the New Zealand Financial Market Authority, so you can certainly trust them the same way you would trust your bank. They are New Zealand based and their capital comes from other hard working Kiwi’s so your money won’t be siphoned overseas. Harmoney reviews are posted onto their website, so you can check out the stories of other Kiwi lenders and borrowers to find out what their stories are like. Compare personal loan rates here with glimp.
Harmoney debt consolidation loans
With Harmoney finance, you can consolidate all your loans into one. This will simplify the process of paying back your debts and is a good first step on your way to financial freedom. With Harmoney NZ debt consolidation, you’ll be able to put a start date on financial freedom. All of the debt consolidation loans from Harmoney are unsecured and your interest rate is fixed for the entire period of the loan.
Harmoney unsecured personal loans
All of the loans offered by Harmoney are unsecured personal loans. This will offer you protection to your property, if you default on your loan, Harmoney finance won’t be able to come in and take your collateral. You can get a loan out for anything, home improvements, wedding, holiday, education, medical, business, car or debt consolidation.
Why get a loan with Harmoney?
With Harmoney, borrowing is kept simple, with unsecured loans of up to $70,000 and an entirely online process. It’s one of the only peer to peer lending services in New Zealand, so you’ll be helping other hard-working kiwis grow instead of having you’re gobbled up by hungry loan-sharks or offshore organisations. 99% of Harmoney loans get funded within 24 hours, and you’ll be able to see the money in your account within three business days. Harmoney also offer competitive interest rates which vary from 6.99% to 29.99% p.a. Once you accept the quote from Harmoney, you’ll have the opportunity to describe what you’ll be using the money for which will help lenders determine whether or not to invest in your loan. Harmoney have the reputation of being one of the best personal loan companies in New Zealand and it’s not hard to see why.
Harmoney unsecured personal loans
Harmoney interest rates are based on your personal credit history. The rates can vary from 6.99% to 29.99% p.a. You can get a quote online before you decide to commit to it or not, so you can still shop around to try and find the right interest rate for you. You’ll also need to cover the Harmoney establishment fee, which is either $200 for loans between $2,000-$5,000 or $450 for loans $5,000 to $70,000.
Harmoney only offer unsecured loans, so if you default on your loan, Harmoney will not be able to after your property.
The smallest loan that Harmoney offers is $2,000, with a $200 establishment fee. This doesn’t really fall into the category of payday loan.
The process is entirely online. You choose what type of loan you are looking for and pass on bank details to Harmoney, they’ll then process it and get back to you with a quote if you’re eligible. Most loans for given the ok within 24 hours.