The interest rates Harmoney publishes on its website only apply to new loans - they do not apply to existing loans, where the interest rate is fixed as part of the loan agreement.

From time to time, Harmoney may change interest rates for new loans and these are the rates it publishes on our website. Such a change may lead to the interest rate for new loans being different from the interest rate on an existing loan.

If you are eligible for a Top Up your application will be assessed with the latest scorecard. Your interest rate and borrowing limit may differ from your previous loan, based on your current financial situation.

Please feel free to get in touch with our friendly customer service team or via live chat should you require any further assistance or clarifications.