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 firstname.lastname@example.org (New Zealand customers) or email@example.com (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.