The advertised rate is now 5.35% p.a. (6.14% p.a. comparison rate*), and is for borrowers with an 'Excellent' credit rating.

The minimum loan term is three years and the maximum five; borrowers can borrow between $2,000 and $50,000.

For loans less than $5,000, the establishment fee is $275, and is $575 for loans over that amount.

There are no monthly account keeping or early repayment fees, and borrowers can repay weekly, fortnightly or monthly.

A number of other Harmoney unsecured personal loans for a variety of credit ratings were also varied by up to 570 basis points (5.70%). 

More to come...

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In the market for a personal loan? The table below features personal loans with some of the lowest interest rates on the market.

Rates
Features
Fees
Other
Lender
FixedUnsecuredN/AN/AMore details

Unsecured Personal Loan (Excellent Credit) (5 Years)

    More details
    FixedSecuredN/AN/AMore details
    Interest rates subject to change based on your personal circumstances
    • Interest rates start at 16.95% and could be as high as 29.95% based on your personal circumstances and loan term
    • Australian residents and citizens only
    • Personal Loans from $3,000 to $25,000, with loan terms ranging from 25 - 36 months
    • Terms, Conditions and Lending Criteria apply
    Disclosure
    Interest rates subject to change based on your personal circumstances

    Secured Personal Loan (3 Years)

    • Interest rates start at 16.95% and could be as high as 29.95% based on your personal circumstances and loan term
    • Australian residents and citizens only
    • Personal Loans from $3,000 to $25,000, with loan terms ranging from 25 - 36 months
    • Terms, Conditions and Lending Criteria apply
    More details
    Disclosure
    Important Information and Comparison Rate Warning

    All products with a link to a product provider’s website have a commercial marketing relationship between us and these providers. These products may appear prominently and first within the search tables regardless of their attributes and may include products marked as promoted, featured or sponsored. The link to a product provider’s website will allow you to get more information or apply for the product. By de-selecting “Show online partners only” additional non-commercialised products may be displayed and re-sorted at the top of the table. For more information on how we’ve selected these “Sponsored”, “Featured” and “Promoted” products, the products we compare, how we make money, and other important information about our service, please click here.

    The comparison rates in this table are based on a loan of $30,000 and a term of 5 years unless indicated otherwise. The comparison rates are for unsecured personal loans only for the relevant amounts and terms. The comparison rates for car loans and secured personal loans are for secured loans unless indicated otherwise. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Comparison rates are not calculated for revolving credit products.

    Monthly repayment figures are estimates only, exclude fees and are based on the advertised rate for the term and for the loan amount entered. Actual repayments will depend on your individual circumstances and interest rate changes. Rates correct as of April 26, 2025. View disclaimer.

    Important Information and Comparison Rate Warning

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