www.harmoney.co.nz Reviews

4.7 Overall Satisfaction Rating

Based on 23,507 Ratings

18K+ (78.7%)
4023 (17.1%)
891 (3.8%)
49 (0.2%)
40 (0.2%)
18K+ 5 stars in a row

Customer Service

4.8 Average


Price Satisfaction

4.4 Average


Shopper Approved actively collects reviews from actual verified customers, which helps more accurately reflect customer’s overall satisfaction with this company.


About Us

Harmoney is a peer-to-peer money marketplace - where everyday people can lend money to (and borrow money from) other everyday people. 

Harmoney is not the one lending the money - our Lenders do that. Instead, our role is to administer the Marketplace, as well as acting as an intermediary between Borrowers and Lenders, so you can keep your anonymity.

So why is this a great option for you? If you're borrowing, we give you access to fairer personal loan rates, and the flexibility to borrow money on your own terms. If you're lending, we give you access to superior investment returns, while diversifying your investment portfolio. 

Harmoney is Australasia's leading peer to peer marketplace.  Join the lending revolution.


Robert B.
2 weeks ago , Canterbury Featured Review Bade

Shopper Approved Checkmark Logo Verified Purchase

Overall Satisfaction Rating

Completely amazed to be honest (at the speed and ease of the loan process here). Stunned actually. Speechless.

Granted that my credit rating is 1000 and that I have a guaranteed permanent secondary teaching position but I have NEVER experienced or expected anything as smooth as this Harmony process (FYI: I am 57 years old and a property owner of one rental and have gone through many mortgage and loan applications in the last 20 years. I also have an extensive 30-year secondary teaching career alongside this).

Despite my strong credit history, no hire purchases, an $82 000 salary (guaranteed), and a $610 weekly rental income, my regular bank would not loan me the extra $10 000 needed to complete a new sleepout because, in their view, I was reaching beyond a financial ceiling that they would not finance.

It left me in a pretty pickle as I wanted to complete the sleepout in Christchurch before the 2021 academic year so that I could take advantage of the influx of NZ students into the city post-New Year. The conceting and foundation is down already so, really, it is not going to take too much to complete the actual structure.

My regular bank simply did not want to know despite an extremely positive valuation from a registered and accredited valuer.

Getting this loan is actually a kind of miracle for me. The property has been in my family's hands for 45 years but now I am really adding value and getting some good returns on it (I am also not over-leveraged compared to Auckland properties).

All I can say is, THANK YOU Harmony as I don't have to go back to my bank anymore to beg for the funds required.

Can I also add that I am greatly heartened that I can pay the loan back at anytime without any financial penalty. It really is a great deal tbh and I would recommend this lender to anyone out there who is stuck for funds
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