Rating based on 48 reviews


  • Student loans up to $70,000
  • Low-interest starting from 6.99%
  • Repayment up to 5 years

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Author Harmoney. Screenshot of Harmoney website.
[Accessed April 17, 2018]

Harmoney - Affordable student loans

Working as a middleman is something we know and love to do. We don’t see the need of allowing our customers to do the hard work of finding a credit provider and comparing loans all by themselves. Instead, we do the research based on the specifications that they have given us.

We will never give you a lender that is way above your budget because you won’t be able to pay them back.

Failure to repay your personal loan installments will amount to you having a bad credit record and that is the last thing we wish to do.

Required information for a loan application

At Harmoney, we believe in communication. When you are able to inform us about the reason for applying for student loans, we won’t be able to make an informed decision about the severity of your loan application.

However, if we find the reason is not as clear and significant as we thought it would be, we might not be able to assist. It is important to not misuse the money you intend on borrowing and only use it for the right reasons.

The last thing you need is to realize you borrowed money and you don’t even see what you used it for. One of the primary goals that we preach to our clients is the ability to differentiate between a necessity and a desire. While we want many things we can live without, we shouldn’t deviate from the things that we need to survive.

Harmoney Services

The first step in applying for a student loan is completing an online application form. In this electronic document, we will ask you some personal and financial questions.

We just want to get to know you a bit and try to gather some monetary information about you.

The application is easy to follow and can be completed in minutes. If you don’t understand the contents of the online loan application, call us and we will explain everything to you in detail.

It should be noted that completing a loan application successfully doesn’t automatically mean your loan has been approved.

There are other things that we look for and we will only be able to give you a valid reason after all the processes have been completed.

Harmoney assessment and verification process

After the student or short-term loan has arrived for our viewing and attention, we will request certain documents to verify that you are indeed a New Zealand citizen and you are registered in an accredited academic institution.

Failure to submit these documents to us on time will delay the outcome of your loan.

Therefore, if you need your credit plan to be approved as soon as possible, you have to ensure that you give us the documents that we request to try and speed up your loan application.

Harmoney – Student loan

  • Loan Type Student loans
  • Interest Rate 6.9919.99% p/a
  • Loan Amount up to $70,000
  • Repayment 3 years to 5 years

Benefits of Harmoney

  • Get funds within 24 hours
  • No fees for early repayment
  • Easy loan application

Student loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Harmoney - Fast student loan payouts

The personal or student loan will at your disposal as soon as possible.

Once we have received everything and we are satisfied, the money will be deposited into your bank account and you can use it to change your academic life forever.

Paying a loan earlier than the scheduled date

We will never charge you for paying your credit plan earlier than the agreed upon date. Unlike credit providers who charge you for this service, Harmoney doesn’t. As far as we are concerned, we don’t see the necessity of charging you for doing the right thing.

Applying for another student loan

The norm would be that you have to finish paying off your initial peer-to-peer loan before applying for another one. However, if you meet the requirements, you are more than welcome to apply for a credit plan while you still have an existing loan with us. If you are consistent in paying your loans, you will have a good credit profile that will come to your benefit in the future.

Facing some financial hardship

Should you face financial difficulty, you have to inform us as soon as possible. Don’t wait for the day that your debt payments go off to notify us because that is already too late. We will try and see if we can’t help you but you will be liable for extra charges. We understand that problems tend to happen when you least expect them and we can’t penalize you for something that was beyond your control.

Having a bad credit history

If you have a history of bad credit, we will try to help you with a bad credit loan nonetheless. It is only when your bad credit is too tainted that we might not be able to assist. However, we will try to help you get ahead in your academics with a student loan from Harmoney.

man holding thumbs up

Harmoney is a trusted & reliable provider of student loans

In our review, Harmoney adheres to the compliance criteria in accordance with the Credit Contracts and Consumer Finance Act 2003, where the granting the loan will not cause financial distress to the consumer.

Harmoney is a registered credit provider in New Zealand: FSPFSP 373486

Customer Reviews & Testimonials

Applying for the Harmoney loan took me less than 10 minutes to complete.

Gregory L
— Blenheim —

One business day was all it took for me to get my loan.

Mary B
— Nelson —

Harmoney offers a number of benefits when you are their client.

Shaun B
— Picton —

Harmoney Contact

Physical Address

Postal Address

  • PO Box 106-507, Customs Street, Auckland City, 1143, New Zealand

Opening Hours

  • Monday 09:00 – 18:00
  • Tuesday 09:00 – 18:00
  • Wednesday 09:00 – 18:00
  • Thursday 09:00 – 18:00
  • Friday 09:00 – 18:00
  • Saturday 09:00 – 18:00
  • Sunday 09:00 – 18:00