You are welcome to repay your loan earlier than the scheduled loan term without an early repayment penalty. 

You can do this by making a manual payment to Harmoney.

New Zealand
Manual payments can be made into Harmoney's bank account via direct credit:
ASB Bank
12-3109-0056095-03
Reference: (your LAI number)


Australia
Manual payments can be made into Harmoney's bank account via BPAY:
Biller code: 112177
Biller Short Name: HARMONEY BORROWER
Biller Long Name: HARMONEY BORROWER PAYMENTS

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