New Zealand

In NZ, Harmoney charges borrowers an upfront, one-off Establishment Fee.  This is added to the approved loan amount and interest is charged on the total loan amount. This Establishment Fee also applies to Top Up.

New Zealand borrowers who choose to take Payment Protect cover with their loan will also pay a Payment Protect fee, which is also added to the total cost of the loan and included in their scheduled repayments.

Other fees will be charged only if applicable in the case of dishonour fees, overdue fees and legal fees.

Australia

In Australia, Harmoney charges borrowers an upfront, one-off Platform Fee . This is added to the approved loan amount and interest is charged on the total loan amount. This Platform Fee also applies to Top Up.

Other fees will be charged only if applicable in the case of dishonour fees and legal fees.

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