While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

See what reviewers are saying

Rated 1 out of 5 stars

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... See more

Company replied

Rated 5 out of 5 stars

Great online process, very fast turn around with entire process including money in your bank once contract accepted and signed, easy to follow, straight forward and straight up, great communication fr... See more

Rated 5 out of 5 stars

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 tr... See more

Rated 5 out of 5 stars

I have been thinking for ages about getting a loan for my dental issues but was too embarrassed and thought it wasn't a good enough reason and thought it would be rejected. I decided to take a chance... See more

Company details

  1. Car Finance and Loan Company

Written by the company

Since our beginnings in 2014, Harmoney has sought to transform the way people borrow and lend money. We’ve created Australasia's largest direct online lending experience, having facilitated over $1.6 billions in loans to over 50,000 customers on both sides of the Tasman, giving people more choice and options. Along the way we’ve created over 100 jobs, and created a purpose‑driven culture focusing on helping people do better through technology, big data, and responsible lending.


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

176 reviews

5-star
4-star
3-star
2-star
1-star

Replied to 33% of negative reviews

Typically replies within 24 hours

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Advertisement
Rated 5 out of 5 stars

Easy Debt Consolidated

This is now the third loan I have taken out with Harmoney. Just an easy fast experience, topped with friendly, patient and professional customer service. This loan was for debt consolidation and initially came with a little technical hold up but got sorted quickly and received great advice from the Harmoney Team. Funds were transferred into my account within 24 hours of loan being approved and debt accounts settled within two days. I have also now been given a much lower interest rate and very manageable repayment plan. Thank you once again Team for the opportunity and awesome customer service.

April 27, 2024
Harmoney logo

Reply from Harmoney

Wow! What a great review. Thank you. We pride ourselves on our customer service and our clever technology to transfer funds quickly.

Advertisement
Rated 1 out of 5 stars

Communication is not good

Communication is not good

April 9, 2024
Unprompted review
Harmoney logo

Reply from Harmoney

Hi Krystal
Very sorry to see you're not happy with our communication.

Would you be so kind to tell me more about your experience?
glen@harmoney.co.nz

Thank you
Glen
Chief Marketing Officer.

Advertisement
Advertisement
Advertisement
Rated 5 out of 5 stars

Efficient, friendly, professional service.

I've used Harmoney a couple of times over the last five years. I cannot fault their excellent customer service, always friendly, and helpful, and all while remaining professional. They have extremely efficient processes in place which means your application, including the very important decision making, is quick. They've really helped me out a lot and I have no hesitation in recommending them to you all.

February 28, 2024

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look