Harmoney assess Top Up loans with a range of factors which may include:

  1. Six months solid repayment history with no missed payments
  2. Have a loan balance of at least $5,000 below your currently funded loan limit
  3. A favourable credit bureau report
  4. Your ability to repay the higher loan repayments on the higher loan amount - this depends largely on your income and outgoings.  

Our online system reviews your account and will determine whether you qualify for a Top Up loan. If you are eligible, we will contact you via text, email and a notification on your dashboard.

There is a chance your interest rate and borrowing limit may change but the final outcome will depend on your updated information and your most current circumstances.

If you are not eligible now, it doesn't mean you won't be in the future should your circumstances change. So feel free to contact us when your circumstances have changed.

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