FAQs

A regularly curated list of the most commonly asked questions by Harmoney customers.

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58 articles in this collection
Written by Ashley Broatch and Bianca Lopez
Getting to know you

My address does not show up. What should I do?

What to do if your address does not appear in the address finder
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Written by Ashley Broatch
Updated over a week ago

What forms of I.D do you accept?

The types of I.D. (identification) that we accept at Harmoney. ID, passports and licences.
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Written by Ashley Broatch
Updated over a week ago

What is a ‘valid’ licence or passport?

What we view as a valid form of identification. ID, passports and licences.
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Written by Ashley Broatch
Updated over a week ago

Why do you need to verify my identity?

Verifying your identity is for your protection. ID, passports and licences.
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Written by Ashley Broatch
Updated over a week ago

My I.D. has failed to upload or cannot be verified. What should I do?

What to do when your identification fails to upload or isn't being verified. ID, passports and licences.
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Written by Ashley Broatch
Updated over a week ago

Why do you need to perform a credit check?

Credit checks and how they help us to assess your creditworthiness
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Written by Ashley Broatch
Updated over a week ago

Will performing a credit check affect my credit score?

How credit checks affect your score
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Written by Ashley Broatch
Updated over a week ago

How do you perform a credit check?

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Written by Ashley Broatch
Updated over a week ago

I have a low credit score. Am I still eligible?

Credit scores and eligibility
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Written by Ashley Broatch
Updated over a week ago

What is adverse data?

Adverse data and its affect on your credit score
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Written by Ashley Broatch
Updated over a week ago

What will you do with my credit file information?

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Written by Ashley Broatch
Updated over a week ago

If I do not give you permission to perform a credit check, can I still continue with my application?

Credit checks and our online application
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Written by Ashley Broatch
Updated over a week ago

When will Harmoney perform a credit check?

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Written by Ashley Broatch
Updated over a week ago

I am self employed - what documentation do I need to provide?

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Written by Ashley Broatch
Updated over a week ago
Getting your money

Can I change the loan amount after its listed in the marketplace?

Changing the amount you want to borrow
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Written by Ashley Broatch
Updated over a week ago

What is ‘in funding’?

In funding
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Written by Ashley Broatch
Updated over a week ago

How long will it take to get fully funded?

Getting funded
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Written by Ashley Broatch
Updated over a week ago

What is my interest rate based on?

How we calculate interest rates
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Written by Ashley Broatch
Updated over a week ago

What is my risk grade and how does it affect my interest rate?

Risk grades & interest rates
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Written by Ashley Broatch
Updated over a week ago

Can I pay off my loan before the set term?

Paying off your loan early
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Written by Ashley Broatch
Updated over a week ago

Will my interest rate change over time?

Top Up, reducing my interest rate
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Written by Ashley Broatch
Updated over a week ago

Can I change my repayment amount and schedule?

Repayment amounts, repayment schedule and frequency
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Written by Ashley Broatch
Updated over a week ago

How is my loan end date calculated?

Loan end date
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Written by Ashley Broatch
Updated over a week ago

The interest rate offered to me is not what I expected.

How we calculate our interest rates
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Written by Ashley Broatch
Updated over a week ago

‘Invalid date remain’

What does ‘Invalid date remain’ mean when my loan is in funding?
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Written by Ashley Broatch
Updated over a week ago

My Top Up loan got funded today. How long until my dashboard shows my new loan details?

Top Up funding
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Written by Ashley Broatch
Updated over a week ago

How long is my approval valid for?

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Written by Ashley Broatch
Updated over a week ago