You can withdraw your loan at any time prior to the date of your loan being disbursed. You can do this by logging into your account.
If you withdraw your loan before the funds are disbursed you will not be charged any fees.
After your loan disbursal date you have a "cooling off period" of seven working days from that date in which you can still cancel your loan without penalty. However you will need to return the funds to Harmoney within those seven days.
Please check your loan disclosure document for details.
In Australia you can return the funds via BPay. In New Zealand the funds should be transferred from your account to Harmoney.