All Harmoney loans are unsecured, with fixed interest rates over a three, five or seven-year loan term. That means borrowers don't need to secure their Harmoney loan with an asset (such as a house or car).

If you can't repay the loan, the only person we can claim against for repayment is you, or, if you have one, your co-borrower. (Note: co-borrower loans are not available in Australia)