The interest rates Harmoney's publishes on its website only applies to new loans - they do not apply to existing loans, where the interest rate is fixed as part of the loan agreement.

From time to time, Harmoney may change interest rates for new loans and these are the rates it publishes on our website. Such a change may lead to the interest rate for new loans being less - or more - than the interest rate on an existing loan.


If you are eligible for a Top Up your application will be assessed with the latest scorecard. This may mean that you may be eligible for a lower interest rate and a higher borrowing limit. However the final outcome will depend on your updated information and your current financial circumstances.

Please feel free to get in touch with our friendly customer service team or via live chat should you require any further assistance or clarifications.

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