Subject to approval, funding and meeting Harmoney's credit criteria and responsible lending requirements.

Harmoney's interest rates and maximum loan amounts are based on the individual borrower's credit and affordability assessment. Fees, charges, terms and conditions apply.

Harmoney Limited (FSP373486) is licensed to provide a peer to peer lending service under Part 6 of the Financial Markets Conduct Act, 2013. The conditions of these licences imposed by the Financial Markets Authority are published on www.business.govt.nz/fsp.

Harmoney Nominee Limited holds Financial Service Providers’ Licence No 590148, and Harmoney Services Limited holds Financial Service Providers’ Licence No 593769 under the Financial Service Providers (Registration and Dispute Resolution) Act 2008.

95% of loans submitted to the marketplace reach full funding within 24 hours. Harmoney’s interest rates range from 6.99% p.a. to 29.99% p.a. and are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.