Harmoney Business Loans (NZ)
AI-assessed unsecured personal loans (taken in the borrower's personal name, used for business). Same-day funding typical.
About Harmoney
- Legal entity
- Harmoney Services Limited
- Brand family
- Harmoney
- Primary website
- https://www.harmoney.co.nz
- Notes
- Direct-to-consumer NZ personal-loan lender (AI-driven credit assessment). Business borrowers take a PERSONAL loan in their own name — not a true business loan. Unsecured only. Funding within 24 hours (often within 5 minutes after acceptance).
Business Loan (Personal)(Harmoney)
data confidence: inferredHarmoney offers $2K-$100K unsecured personal loans that NZ business owners commonly use for business purposes. Loan is in the personal borrower's name (not business name) — accounting treatment may be simpler. AI-assessed pricing; same-day funding typical (often within 5 minutes after acceptance).
- Loan range
- $2,000 – $100,000
- Security
- unsecured
- Advertised funding speed
- Most loans funded within 24 hours; funds released within ~5 minutes after loan acceptance
- Interest rate disclosure (per quote, not publicly advertised) · pricing model: personal credit based
- Harmoney publishes a 'from' rate only. Specific APR is set per-applicant via AI-driven individual credit assessment — not advertised in advance.
- Fees
- note: Confirm in loan contract at acceptance — Harmoney publishes loan contract terms at /legal/loan-contract.
Source: https://www.harmoney.co.nz/personal-loans/business-loans · capture: html-capture-2026-05-18
All figures sourced from the lender's own published page or PDS at the date shown. Confirm specific quotes with Harmoney directly — pricing is per-application.
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Harmoney's business loan is a personal loan in your name — different liability profile vs business-named loans. Compare with options on our panel.