Your loan terms include:
the amount lent to you;
the length of time (also known as the term) for which it is lent to you; and
the interest rate applied to your loan balance.
You accept these terms when you accept your loan quote. Your loan disclosure document will also confirm these terms, as well as any other charges that are payable, and the repayments you must make.
There are also standard terms and conditions which apply to all Harmoney loans. These will appear in the loan contract you see online as part of the application process and will be emailed to you with a copy of the accepted loan disclosure document.