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).
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.