Because you are submitting your loan offer to a marketplace, your loan needs to find an investor who will lend to you.

If your loan is not fully funded by a lender within 14 days of being submitted to the marketplace, your loan contract will automatically be cancelled.

Harmoney will notify you of your options should this happen. These may include re-submitting the loan for the same or a lesser amount, or withdrawing the loan.

Most loan offers with Harmoney are funded within 24 hours*.

*Subject to funding, 99% of loans submitted to the marketplace reach full funding within 24 hours (based on loans submitted in 2018)

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