While Harmoney has taken significant measures to minimise risks during the loan application and approval process, they do exist and should be considered. We recommend consulting a financial advisor before making any investment decisions. The primary risk inherent in Peer-to-Peer Lending is that Lenders may not receive all of their monthly principal and interest payments due to loan defaults and Payment Protect Fees due to early repayments or repayment waiver claims.

Read our investment risks section for comprehensive information.

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