In Australia - to apply for a Harmoney loan you need to:

  • Be 18 years or older
  • Be an Australian citizen, Permanent Resident or New Zealand citizen
  • Be full-time or permanent part-time employed
  • Have photo ID documents such as an Australian driver’s licence or passport available
  • Not have any defaults, judgements or bankruptcies on your credit file
  • Require a minimum $2,000 loan

In New Zealand - to apply for a Harmoney loan you need to:

  • Be 18 years or older
  • Be a New Zealand citizen or Permanent Resident
  • Be earning a stable income

The process of applying for a car loan with Harmoney is the same as for most other types of loans and can be completed 100% online.

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