Can I cancel the loan?

Cooling-off period, cancelling my loan

Ana Wedlock avatar
Written by Ana Wedlock
Updated over a week ago

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 [email protected] (New Zealand customers) or [email protected] (Australian customers).

  • You must notify us that you want to cancel and pay back your borrowed amount in full (less any repayments already made) within 7 days of the loan being initiated. 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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