The following information is current as at TUESDAY 24 MARCH 2020. Following updates will be posted on our Covid-19 Update page with any new developments.

Harmoney is adapting rapidly as the impact of COVID-19 evolves. Our staff are set up and working remotely, and we are continually monitoring the latest information from the Government. We are making changes to help our borrowers and lenders (also called investors).

New Loan Applicants

Harmoney offers a completely online loan quote and application process. As we do not require face-to-face meetings with customers, we don’t anticipate any major disruption to this service. However, some applicants may experience short delays as we adjust to changing credit requirements, but we expect these to be minimal.

Existing Borrowers

Unforeseen Hardship

If your circumstances change in the coming weeks and you are concerned you may not be able to make a repayment, or you are experiencing unforeseen hardship, please contact our customer service team as soon as possible on 0800 427 666, Monday to Sunday 9am-6pm.

Read more about Unforeseen Hardship.

What if I have Payment Protect?

Payment Protect is an optional service you may have chosen to add to your loan. If so, it provides a repayment waiver, which means that you are not liable for certain payments when your cover applies:

  • Partial cover: This covers death and terminal illness.

  • Complete cover: This covers death, terminal illness, disability (due to illness, a medical condition, or accidental injury), and redundancy.

It is important that you contact Harmoney as soon as possible when an event happens that impacts your ability to make your loan repayments, and which may be covered by Payment Protect (including events related to Covid-19). This will allow us process your repayment waiver application in a timely fashion. Please note that your application may be declined if we do not receive it, or other required information, within the timeframes set out in the Payment Protect terms.

Read more about Payment Protect.

Existing Lenders

If you have questions about your loan portfolio please contact our Lender Services team on or 0800 427 666.


Health and safety

Harmoney is following all Government guidelines, and the majority of our staff are currently working remotely.

Customer service

If you have any other queries about if, or how, current events may impact your loan, or general loan enquiries, please contact our Customer Service team on 0800 427 666 Monday to Sunday 9am-6pm.

Government Support Package

In New Zealand the Government has released a support package for employees and beneficiaries. The package includes leave and self-isolation support, wage subsidies for eligible employers and boosts to Government benefit payments. Check this COVID-19 Government Financial Support information page to see whether you can benefit from the package.

In Australia, the Government has announced wide-ranging financial support packages. For further information, check for the latest news, updates and advice from government agencies across Australia, including details on receiving financial support.

Did this answer your question?