Harmoney

Overview

Harmoney is an online direct personal lender based in Auckland, New Zealand, with operations in Australia. Established in 2014, the company specializes in unsecured personal loans and is publicly listed on both the Australian Securities Exchange and the New Zealand Exchange. Harmoney utilizes proprietary machine learning models to assess loan applications quickly and fairly, enhancing the customer experience.

The company offers a range of personal loan products, including options for debt consolidation, home renovations, car purchases, weddings, education, holidays, business cash flow, and health treatments. Loan amounts can reach up to $100,000, with competitive interest rates starting around 5.76% p.a. The application process is fully online, allowing for loan approval in as little as 9 minutes, and there are no monthly account or early repayment fees. Harmoney serves a diverse customer base, focusing on individuals with good credit history while also providing options for those with less-than-excellent credit.

Basic Information

Contact Details

• Phone: +64 800 427 666
• Website: harmoney.com.au
• LinkedIn: linkedin.com/company/harmoney-ltd

Key Focus Areas & Initiatives

• Personal loans
• Online loans
• Lending
• Finance
• Debt consolidation
• Home renovation loans
• Business loans
• Car loans
• Medical loans
• Wedding loans
• Education loans
• Online personal lending
• Lending risk management
• Fintech innovation
• Digital identity verification
• Regulatory technology
• AI-powered credit scoring
• Personalized loan offers
• Risk management tools
• Lending automation
• Real-time loan processing
• Instant loan quotes
• Online credit risk analysis
• Digital compliance systems
• Fintech ecosystem
• Digital customer onboarding process
• Automated decision-making
• Digital lending platform
• Cloud fintech solutions
• Regtech compliance tools
• Digital loan marketplace

Technologies Used

• AI
• Amazon SES
• Android
• Atlassian Cloud
• Bing Ads
• Braze
• CloudFlare Hosting
• Cloudflare DNS
• Cloudinary
• Facebook Custom Audiences
• Facebook Login (Connect)
• Facebook Widget
• Gmail
• Google Analytics
• Google Apps
• Google Cloud Hosting
• Google Tag Manager
• Intercom
• Mailchimp Mandrill
• Marketo
• Microsoft Office 365
• Mixpanel
• Mobile Friendly
• MongoDB
• Pardot
• Salesforce
• Shopper Approved
• Taboola Newsroom
• The Trade Desk
• Varnish
• Wix

Affiliated Organizations & Regional Branches