Harmoney Reviews 

Absolutely appalled their site only allows for three documents to be uploaded. I put what I could through immediately messaged them to state that I have more supporting documents including more income that I was not able to upload due to their sites upload limitations. They didn't ask for or give me any options to send this information through which will have strongly boosted my application and instead just declined it with only a portion of the information. Would NOT recommend a company that refuses to get all information before making decisions

I paid my loan in full, and was told I would get an email confirming this. i did not get this email, but the following day I did get an email offering me further finance, which I find predatory.

I was also contacted more than one about missing payments, when I paid above my minimum repayment each month.

I’m very disappointed with my experience with Harmoney. They advertise that applying for loan “won’t affect your credit score,” yet a credit inquiry appeared on my file even though I didn’t complete the application. That’s misleading and unfair.

To make things worse, I couldn’t even finish the process because Harmoney doesn’t integrate with Wise, which is my main account. So now I’m left with a credit hit for an application I couldn’t complete.

If you’re considering Harmoney, be aware that their “won’t affect your credit score” claim didn’t match my experience at all.

always easy and quick process.

I'm finding the process extremely frustrating and unnecessarily complicated. I’ve provided all the required creditor information for a personal loan from a bank, including a settlement letter, which was initially accepted. However, when I tried to input the information into the dashboard, I was unable to proceed past the “code and reference” section.

The settlement letter clearly states that the funds are to be paid directly into my personal bank account, which naturally means there is no creditor reference or code. Despite this, I was told the letter still needs to be adjusted—although the current version already specifies that the funds will go into my own account. This seems redundant and makes the request for a reference or code irrelevant unless they want one specifically from me, which has not been clarified.

The entire process feels unnecessarily drawn out and confusing. To add to the frustration, the voicemails I receive are difficult to understand because the caller speaks too quickly or appears rushed.

This experience is making me feel uneasy about proceeding with the loan at all. If the communication and process are this unclear at the application stage, it raises concerns about what dealing with the loan going forward might be like.

I've been with Harmoney since 2019. Thier business practices are sketchy, and barely legal. When you apply for a top-up, they will role your new loan into an existing one, then increase the interest rates without explaining this.

I've recently applied for a top-up. It has been approved and the contract was ready to sign. They then deleted my contract before the due date and spun a lie about moving to a new system and that is the reason my approved loan was deactivated. To mention, my loan was approved after they moved to a new system.

I was then asked to reapply, which I did. Now my application is stuck in the bank details upload page. They can't accommodate SBS bank for some reason. I have been contacted by numerous representatives all asking the same bloody questions of when I will upload my bank statements. I'm tired of explaining the same story over and over since around 12 May.

I will be seeking debt consolidation elsewhere and close my Harmoney account ASAP.

Do not use Harmoney for your borrowing needs. They are incompetent and as mentioned, they will roll in a new top-up loan into your existing one, increasing the interest rates and resetting your payment plan to the maximum days

While most of the interactions were great including the offer including fast turnaround, I accepted my quote last Wednesday & because Harmoney are going through the migration to a new platform & system I had to accept the quote again today (Monday) which has delayed the payout. Ideally I would have liked the funds paid out last Thursday or Friday but apart from that everything was awesome & thank you Harmoney for backing me & coming to the party.

So fast and easy
Thank you

Amazing to deal with. Easy application, great communication. Quick transfer. Overall great experience, thank you 😊

Easy to use service, all the staff I interacted with were professional and very helpful. All my questions were answered.

When I went through some financial difficulties the Collections team helped me by adjusting my payments to suit my budget, which allowed me to catch up without stress. But the best thing was, I was treated respectfully and not made to feel worthless!!! Janice Ese

contact person was very helpful and sure in her korero.

Quick easy and very helpful, always answer any questions

Fast and easy apply also good customer service and easy to communicate.

The process was so easy and the service exceptional - can’t say enough. Would use again!

The company made it easy and fair to get a quick loan process done.

Very clear and understanding

Thanks