You can withdraw your loan from the marketplace at any time prior to it being fully funded. You can do this by logging into your account.
If you withdraw your loan before it is fully funded, you will not be charged any fees.
After your loan has been fully funded you have a "cooling off period" of seven working days in which you can still cancel your loan without penalty. However you will need to return the funds to Harmoney within the same seven working day period.
In Australia you can return the funds via BPay. In New Zealand the funds should be transferred from your account to Harmoney.