Harmoney

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.