In New Zealand Harmoney's interest rates range from 6.99% to 29.99%.
In Australia Harmoney's interest rates range from 6.99% to 28.69%.
Harmoney's interest rates are priced on a risk gradient. That means the interest rate each customer is approved to borrow at will depend on their creditworthiness. That is determined by the information provided to Harmoney as part of that borrower's request for a quote or their loan application.
The information used to determine a borrower's personalised interest rate includes their credit history as well as their current income and expenditure.