In New Zealand, Harmoney charges Borrowers an up-front, one-off fee of:

  • $200 for loans of below $5,000,

or

  • $450 for loans of $5,000 and above.

The Establishment Fee is added to the approved loan amount on settlement of the loan. This fee also applies to Top Ups.

Harmoney's Establishment Fee changed on 6 September 2018. If you took out a loan with us before that date you will have been charged a different one-off fee.

This fee applies in New Zealand only. In Australia, borrowers pay a Platform Fee.

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