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

  • $200 for loans of below $5,000,


  • $350 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 31 March 2021 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.

Australia Establishment Fee

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