Where can I find Australian BPay biller codes or BSB and account numbers?

BPAY code, biller code

Written by Ashley Broatch
Updated over a week ago

Getting stuck on the expenses page?

Stuck on part 3 of 5 of Financial Details

Written by Ashley Broatch
Updated over a week ago

How do I do a joint application?

Adding a partner to an application. Co-borrower. Co borrower

Written by Ashley Broatch
Updated over a week ago

Veda, Centrix and credit bureau - who are they and what do they do?

Credit reporting agencies. Credit reporters

Written by Ashley Broatch
Updated over a week ago

Experiencing a blank page in the application

Blank page or blank screen when trying to continue the application

Written by Ashley Broatch
Updated over a week ago

My application was unsuccessful, can you please tell me why?

Why your recent loan application may have been unsuccessful or declined

Written by Ashley Broatch
Updated over a week ago

Unsuccessful Top Up

If my Top Up is unsuccessful, what happens to my existing loan?

Written by Ashley Broatch
Updated over a week ago

How long does this process take?

How long to complete an application and receive an outcome

Written by Ashley Broatch
Updated over a week ago

Why do you need to know my loan purpose?

Understanding why we need to know the reason for your loan

Written by Ashley Broatch
Updated over a week ago

Why do you need to know my goal when I go for a debt consolidation loan?

Loan goals

Written by Ashley Broatch
Updated over a week ago

What is debt consolidation?

Understanding debt consolidation

Written by Ashley Broatch
Updated over a week ago

Why should you consider a debt consolidation loan?

Why debt consolidation?

Written by Ashley Broatch
Updated over a week ago

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

What to do if your address does not appear in the address finder

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.

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.

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.

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.

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

Written by Ashley Broatch
Updated over a week ago

Will performing a credit check affect my credit score?

How credit checks affect your score

Written by Ashley Broatch
Updated over a week ago

How do you perform a credit check?

Written by Ashley Broatch
Updated over a week ago

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

Credit scores and eligibility

Written by Ashley Broatch
Updated over a week ago

What is adverse data?

Adverse data and its affect on your credit score

Written by Ashley Broatch
Updated over a week ago

What will you do with my credit file information?

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

Written by Ashley Broatch
Updated over a week ago

When will Harmoney perform a credit check?

Written by Ashley Broatch
Updated over a week ago

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

Written by Ashley Broatch
Updated over a week ago

Why should I provide online bank statements?

Income automation, automated statement retrieval, bank login

Written by Ashley Broatch
Updated over a week ago

What is automated income verification and what is it for?

Income automation, automated statement retrieval, bank login

Written by Ashley Broatch
Updated over a week ago

What is a liability?

Learning about liabilities or debts

Written by Ashley Broatch
Updated over a week ago

What is the difference between a liability and an expense?

Differences between a liability and an expense

Written by Ashley Broatch
Updated over a week ago

Is rent a liability?

Understanding if rent is a liability

Written by Ashley Broatch
Updated over a week ago

Why is it important that the my repayment frequency, monthly amounts and interest rates are true and accurate?

Making the details accurate

Written by Ashley Broatch
Updated over a week ago

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

Changing the amount you want to borrow

Written by Ashley Broatch
Updated over a week ago

What is ‘in funding’?

In funding

Written by Ashley Broatch
Updated over a week ago

How long will it take to get fully funded?

Getting funded

Written by Ashley Broatch
Updated over a week ago

What is my interest rate based on?

How we calculate interest rates

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

Written by Ashley Broatch
Updated over a week ago

Can I pay off my loan before the set term?

Paying off your loan early

Written by Ashley Broatch
Updated over a week ago

Will my interest rate change over time?

Top Up, reducing my interest rate

Written by Ashley Broatch
Updated over a week ago

Can I change my repayment amount and schedule?

Repayment amounts, repayment schedule and frequency

Written by Ashley Broatch
Updated over a week ago

How is my loan end date calculated?

Loan end date

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

Written by Ashley Broatch
Updated over a week ago

‘Invalid date remain’

What does ‘Invalid date remain’ mean when my loan is in funding?

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

Written by Ashley Broatch
Updated over a week ago

How long is my approval valid for?

Written by Ashley Broatch
Updated over a week ago

I want to make a manual payment. How do I do this?

How to make a voluntary or manual payment

Written by Bianca Lopez
Updated over a week ago

I want to pay off my loan early. How do I do this?

Pay your loan off early without penalty fees! How to get a closing balance or final statement

Written by Ashley Broatch
Updated over a week ago

What if my direct debit falls on a weekend or public holiday? Will I incur any fees?

Debits and payments due on public holidays or weekends

Written by Ashley Broatch
Updated over a week ago

When will I be charged for a late fee?

Overdue fees or late fees

Written by Ashley Broatch
Updated over a week ago

Harmoney Top Up

What is a Harmoney Top Up loan?

Written by Ashley Broatch
Updated over a week ago

What is Harmoney’s Top Up criteria?

Top Up eligibility. Qualifying for a Top Up.

Written by Ashley Broatch
Updated over a week ago

If I pay my loan off early how much interest will I pay?

Early repayment. How interest is applied.

Written by Ashley Broatch
Updated over a week ago

Deferring repayments

Can I please defer my payment that’s due this week?

Written by Ashley Broatch
Updated over a week ago

How will the new establishment fee affect you?

How will the new establishment fee affect you? Changes to our Platform fee

Written by Ashley Broatch
Updated over a week ago

Will the payment protect fee be refunded if I don't use it during the term of the loan?

Not using your Payment Protect service

Written by Ashley Broatch
Updated over a week ago

I'd like to pay out my loan in full. How do I get a payout estimate?

How to get a payout estimate.

Written by Bianca Lopez
Updated over a week ago

How do I pay out my loan in full?

Paying out your loan.

Written by Bianca Lopez
Updated over a week ago

How do I download a statement of my loan transactions?

Downloading transaction statements

Written by Bianca Lopez
Updated over a week ago