Whether it’s upgrading your car, a spot of home renovation, a holiday in Fiji, or perhaps you’re just consolidating your bills; we could all use some extra money from time to time.
Unfortunately, whether it’s crippling interest rates or disapproving attitudes, traditional lending options may not be that appealing. Well, now there’s a better way...
Introducing Harmoney – New Zealand’s first licensed online peer-to-peer marketplace.
When you apply for a loan through Harmoney, once it’s approved it’s listed in our marketplace (don’t worry, we keep your identity anonymous). From there, Kiwis with money to lend can access our marketplace and choose to fund your loan. Once enough people have chosen to fund your loan, the money is deposited into your account.
The interest rate you pay on your peer-to-peer loan is based on your individual credit rating. We then apply this to our credit scorecard. This means that unlike traditional lenders, like banks and consumer finance companies, you get a personalised interest rate. In fact a loan through Harmoney offers some pretty cracking benefits:
Since launching in September last year, almost 5,000 New Zealanders have already borrowed through Harmoney. We can help arrange you a loan from $1,000 to $35,000.
For an obligation free quote on how much you could borrow, start an online application today.