Harmoney - Personal loan
Unsecured | Fixed
The Personal loan from Harmoney offers advertised interest rates from 5.76% p.a. and a borrowing range of between $2,000 and $70,000. The Harmoney Personal loan is a Fixed rate, Unsecured loan with repayment terms of between 3 and 7 years. The early repayment fee with this loan will be $0. Comparison rates for this product start from 6.55% p.a..
More Harmoney Personal loan details can be found below or visit Harmoney to learn more or apply.
A comparison rate of 6.55% p.a. and an advertised rate of 5.76% p.a.. The loan type will be Unsecured.
Advertised Rate
From 5.76% p.a. to 24.03% p.a. Fixed
Comparison Rate
From 6.55% p.a. to 24.98% p.a.
Loan Term
3 to 7 years
Interest
Rate Type
Fixed
Advertised Rate
From 5.76% p.a. to 24.03% p.a.
Fixed
Comparison Rate
From 6.55% p.a. to 24.98% p.a.
Application Frequency
Monthly
Calculation Frequency
Daily
Loan Security
Loan Security
Unsecured
Loan Terms
Loan Term
3 to 7
years
Borrowing Range
$2,000 to $70,000
Repayment
Fortnightly, Weekly, Monthly
Fees
Establishment Fee
$275 to $575
one off
Loan Service Fee
$0
per month
Early Repayment Fee
$0
per event
Dishonour Fee
$15
per event
Who is the product designed for?
The needs, objectives and financial situation of customers in the target market are:
Needs and Objectives
- a credit facility for any personal purpose, without having to provide security;
- improvements to their financial position through solutions such as debt consolidation or refinancing;
- a loan for which the application process is conducted entirely online, without the need for face-to face interaction, at a day and time convenient to them; and/or
- a rate of interest above the market average if it guarantees access to funds unavailable to them elsewhere in the market.
Financial situation
- afford loan repayments without substantial financial hardship, and:
- have a reliable income; and/or
- can demonstrate that they can afford a loan over and above any current debts; and
- in general, satisfy standard eligibility criteria.
Visit Harmoney to view Target Market Determination Effective From: 2021-10-05.
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