Will I qualify for a Harmoney loan?

Common questions about personal loans

Monisha Begum avatar
Written by Monisha Begum
Updated over a week ago

To apply for a personal loan in New Zealand:

  • You must be 18 years or older

  • You must be a New Zealand citizen or Permanent Resident

  • You must have full-time or permanent part-time employment.

  • You need to have photo identification documents such as your valid New Zealand passport or valid New Zealand driver’s licence handy

  • Your credit file must not have any active defaults, judgments or bankruptcies recorded

  • You need to borrow at least $2,000 with your loan

To apply for a personal loan in Australia:

  • You must be 18 years or older

  • You must be an Australian citizen, Permanent Resident or New Zealand citizen

  • You must have full-time or permanent part-time employment.

  • You need to have photo identification documents such as your valid Australian passport or valid Australian driver’s licence hand

  • Your credit file must not have any active defaults, judgments or bankruptcies recorded

  • You need to borrow at least $2,000 with your loan

When you apply or request a quote for an online loan, we need to know a little about your needs and your finances. We’ll also make some enquiries to help us verify your information. Using this information, we’ll assess your eligibility to receive credit and your capacity to service a loan.

If you qualify for a loan, we’ll provide you with your personal interest rate and the maximum amount you can borrow. There are times when we may not be able to offer a loan, such as if your recent credit history is unsuitable or there is insufficient capacity to service a loan.

Did this answer your question?