You can cancel your loan within seven working days of the date we email you your loan disclosure (this is called the cooling-off period).

If you decide to cancel the loan, you must do all of the following:

  • You must give us a written cancellation notice. You can do this via your Harmoney dashboard, or via email to customerservice@harmoney.co.nz (New Zealand customers) or customerservice@harmoney.com.au (Australian customers).
  • We must receive the notice within the seven-day cooling-off period.
  • You must repay all amounts we have advanced (less any repayments already made). Payment must be in full and in cleared funds.
  • Please note that Saturday, Sunday and national public holidays do not count as working days.

If you cancel the loan during the cooling-off period, you will not be charged the Establishment Fee or (NZ only) the Payment Protect fee if you have selected that option.

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