Harmoney loans can be cancelled within a “cooling-off period” of 7 days of the loan starting if you change your mind. As long as you’re in the cooling-off period, you can return your money to us and we’ll refund your establishment fee.

If you’re not in the cooling-off period, but your plans change and you no longer need a study expenses loan, you will have to pay back your remaining balance (including any interest owing at that time) to close your loan account.

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