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FAQs
A regularly curated list of the most commonly asked questions by Harmoney customers.
107 articles in this collection
Written by
Ana Wedlock
and
Vikram Kamboj
How can we help?
How long does this process take?
How long to complete the process and receive an outcome
Written by
Ana Wedlock
Updated over a week ago
Debt Consolidation - what is it, and is it right for you?
If you’re looking to jump start your finances, debt consolidation could help get you on a path to financial freedom.
Written by
Ana Wedlock
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
Ana Wedlock
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
Ana Wedlock
Updated over a week ago
What is debt consolidation?
Understanding debt consolidation
Written by
Ana Wedlock
Updated over a week ago
Why should you consider a debt consolidation loan?
Why debt consolidation?
Written by
Ana Wedlock
Updated over a week ago
How do I sign up as a lender?
Become a lender
Written by
Ana Wedlock
Updated over a week ago
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
Written by
Ana Wedlock
Updated over a week ago
What forms of ID do you accept?
The types of ID (identification) that we accept at Harmoney. ID, passports and licences.
Written by
Ana Wedlock
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
Ana Wedlock
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
Ana Wedlock
Updated over a week ago
My ID 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
Ana Wedlock
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
Ana Wedlock
Updated over a week ago
Will performing a credit check affect my credit score?
How credit checks affect your score
Written by
Ana Wedlock
Updated over a week ago
How do you perform a credit check?
Credit checks, credit files, credit reports, credit history
Written by
Ana Wedlock
Updated over a week ago
I have a low credit score. Am I still eligible?
Credit scores and eligibility
Written by
Ana Wedlock
Updated over a week ago
What is adverse data?
Adverse data and its affect on your credit score
Written by
Ana Wedlock
Updated over a week ago
What will you do with my credit file information?
Credit checks and our online application
Written by
Ana Wedlock
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
Ana Wedlock
Updated over a week ago
When will Harmoney perform a credit check?
Credit checks and our online application
Written by
Ana Wedlock
Updated over a week ago
I am self employed - what documentation do I need to provide?
Self employed financial details
Written by
Ana Wedlock
Updated over a week ago
Understanding your finances
What if I have more than one bank account?
Bank transaction retrieval, add another bank, more than one bank account
Written by
Ana Wedlock
Updated over a week ago
How much bank transaction data do you access?
Automated bank transaction retrieval, bank login
Written by
Vikram Kamboj
Updated over a week ago
Why should I let you retrieve my bank transaction data?
Automated bank transactions retrieval, bank login
Written by
Ana Wedlock
Updated over a week ago
How do I know this service is secure?
Bank transaction retrieval security
Written by
Ana Wedlock
Updated over a week ago
What is automated bank transaction retrieval and what is it for?
Automated bank transactions retrieval, bank login
Written by
Ana Wedlock
Updated over a week ago
How do you access my bank transaction data?
How bank transaction data retrieval works
Written by
Ana Wedlock
Updated over a week ago
Can I add more than one bank account?
Income goes into another bank account. Adding another bank
Written by
Ana Wedlock
Updated over a week ago
How do you know about my debts?
Sourcing your debts. Finding your debts.
Written by
Ana Wedlock
Updated over a week ago
What is a liability?
Learning about liabilities or debts
Written by
Ana Wedlock
Updated over a week ago
What is the difference between a liability and an expense?
Differences between a liability and an expense
Written by
Ana Wedlock
Updated over a week ago
Is rent a liability?
Understanding if rent is a liability
Written by
Ana Wedlock
Updated over a week ago
I own a house with a mortgage. Is it still an asset?
Is a mortgage an asset?
Written by
Ana Wedlock
Updated over a week ago
What is an asset?
Assets
Written by
Ana Wedlock
Updated over a week ago
I share assets with my partner. Do I enter the full value of all of our assets or just my share?
What to do in the case of joint assets. Shared assets.
Written by
Ana Wedlock
Updated over a week ago
What are ‘expenses’?
What are my expenses?
Written by
Ana Wedlock
Updated over a week ago
I share expenses with my partner. Do I enter only my share, or all expenses?
What to do in the case of joint expenses. Shared expenses.
Written by
Ana Wedlock
Updated over a week ago
Getting stuck on the expenses page?
Stuck on part 3 of 5 of Financial Details
Written by
Ana Wedlock
Updated over a week ago
What is my ‘income’?
Regular income, completing the income page
Written by
Ana Wedlock
Updated over a week ago
Why is my regular income not showing on my bank statement?
Income not showing, not picking up my income
Written by
Ana Wedlock
Updated over a week ago
Should I include changes to my partner’s income?
Expected changes to my income. Changes to partners income.
Written by
Ana Wedlock
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
Ana Wedlock
Updated over a week ago
There is a liability missing. What do I do now?
Adding a liability
Written by
Ana Wedlock
Updated over a week ago
Getting your money
Can I change my bank account later on?
Written by
Vikram Kamboj
Updated over a week ago
What are “loan terms”?
Written by
Ana Wedlock
Updated over a week ago
Will my loan be automatically approved?
Written by
Ana Wedlock
Updated over a week ago
How long is my approval valid for?
Written by
Ana Wedlock
Updated over a week ago
What is my interest rate based on?
How we calculate interest rates
Written by
Ana Wedlock
Updated over a week ago
Will my interest rate change over time?
Top Up, reducing my interest rate
Written by
Ana Wedlock
Updated over a week ago
How much money will I receive?
Written by
Ana Wedlock
Updated over a week ago
How is my loan end date calculated?
Loan end date
Written by
Ana Wedlock
Updated over a week ago
Can I pay off my loan before the set term?
Paying off your loan early
Written by
Ana Wedlock
Updated over a week ago
What happens if my loan is not funded?
Loan not funded. Full funding.
Written by
Ana Wedlock
Updated over a week ago
Can I change my repayment amount and schedule?
Repayment amounts, repayment schedule and frequency
Written by
Ana Wedlock
Updated over a week ago
Need help with account numbers, codes and references?
Completing the debts to consolidate page.
Written by
Ana Wedlock
Updated over a week ago
The interest rate offered to me is not what I expected.
How we calculate our interest rates
Written by
Ana Wedlock
Updated over a week ago
How long will it take to get the money?
Getting funded
Written by
Ana Wedlock
Updated over a week ago
What is ‘in funding’?
In funding
Written by
Ana Wedlock
Updated over a week ago
Do lenders investing in my loan know who I am?
Lenders, funding, investors, access to information.
Written by
Ana Wedlock
Updated over a week ago
Can Harmoney change my interest rate during the term of the loan?
Change interest rate.
Written by
Ana Wedlock
Updated over a week ago
Can I withdraw my loan once it has been funded if I change my mind?
Withdrawing a loan
Written by
Ana Wedlock
Updated over a week ago
Can I change the loan amount after its submitted for funding?
Changing the amount you want to borrow
Written by
Ana Wedlock
Updated over a week ago
Can I cancel the loan?
Cooling-off period, cancelling my loan
Written by
Ana Wedlock
Updated over a week ago
Your dashboard
How do I download a statement of my loan transactions?
Downloading transaction statements
Written by
Ana Wedlock
Updated over a week ago
‘Invalid date remain’
What does ‘Invalid date remain’ mean when my loan is in funding?
Written by
Ana Wedlock
Updated over a week ago
LAI number or loan contract number
Where to find your LAI or loan contract number
Written by
Ana Wedlock
Updated over a week ago
Where can I get information about my loan?
Written by
Ana Wedlock
Updated over a week ago
Your repayments
Can I change my repayment frequency later on?
Written by
Vikram Kamboj
Updated over a week ago
Can you remind me when my direct debit is due to go out?
Written by
Vikram Kamboj
Updated over a week ago
What if my direct debit payment falls on a weekend or public holiday? Will I incur any fees?
Written by
Vikram Kamboj
Updated over a week ago
What happens if I miss a direct debit payment?
Written by
Vikram Kamboj
Updated over a week ago
What happens if I miss my monthly required payment?
Written by
Vikram Kamboj
Updated over a week ago
Can I make additional or voluntary payments?
Written by
Vikram Kamboj
Updated over a week ago
What’s the difference between my required payments and my direct debit payments?
Written by
Vikram Kamboj
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
Ana Wedlock
Updated over a week ago
How do I know how much to pay and when?
Knowing your loan commitments
Written by
Ana Wedlock
Updated over a week ago
What do I have to repay?
Understanding your commitments
Written by
Ana Wedlock
Updated over a week ago
Deferring repayments
Can I defer my payment that’s due?
Written by
Ana Wedlock
Updated over a week ago
When will I be charged for a late fee?
Overdue fees or late fees. Missed payment. Cannot make payment in full.
Written by
Ana Wedlock
Updated over a week ago
If I am concerned, or something in my financial situation life changes, who do I call?
If my financial situation changes, or I'm concerned about making my repayments for any reason, what should I do?
Written by
Ana Wedlock
Updated over a week ago
Can I get help if I suffer hardship?
Hardship
Written by
Ana Wedlock
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
Ana Wedlock
Updated over a week ago
Paying your loan off early
Getting a payout estimate, closing balance or final statement. Making additional payments. Increasing repayments.
Written by
Ana Wedlock
Updated over a week ago
How do I pay out my loan in full?
Paying out your loan. Getting a payout estimate, closing balance or final statement.
Written by
Ana Wedlock
Updated over a week ago
Increase your repayments
How to increase your repayments
Written by
Ana Wedlock
Updated over a week ago
Make additional or voluntary payments
How to make additional, extra or voluntary payments
Written by
Ana Wedlock
Updated over a week ago
Joint applications
How do I do a joint quote?
Adding a partner to your quote. Co-borrower. Co borrower
Written by
Ana Wedlock
Updated over a week ago
Technical issues
Experiencing a blank page in the process
Blank page
Written by
Ana Wedlock
Updated over a week ago
Harmoney Top Up
Will this change my payment date?
Apply to top up your loan
Written by
Ana Wedlock
Updated over a week ago
Harmoney Top Up
What is a Harmoney Top Up loan?
Written by
Ana Wedlock
Updated over a week ago
Why do I have to get a new loan?
Top up, topping up your loan
Written by
Ana Wedlock
Updated over a week ago
Applying for a Top Up
How can I apply for a Top Up?
Written by
Ana Wedlock
Updated over a week ago
Does the co-borrower have to be included in my new topped up loan?
Applying to top up your loan
Written by
Ana Wedlock
Updated over a week ago
What is Harmoney’s Top Up criteria?
Top Up eligibility. Qualifying for a Top Up.
Written by
Ana Wedlock
Updated over a week ago
What term will apply?
Apply to top up your loan
Written by
Ana Wedlock
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
Ana Wedlock
Updated over a week ago
What fees will there be?
Apply to top up your loan
Written by
Ana Wedlock
Updated over a week ago
Unsuccessful Top Up
If my Top Up is unsuccessful, what happens to my existing loan?
Written by
Ana Wedlock
Updated over a week ago
Will my interest rate change?
Apply to top up your loan
Written by
Ana Wedlock
Updated over a week ago
What if my circumstances have changed?
Applying to top you your loan
Written by
Ana Wedlock
Updated over a week ago
Other
Can the loan terms be changed?
Written by
Ana Wedlock
Updated over a week ago
Can my account be terminated?
Terminating your account. Account termination.
Written by
Ana Wedlock
Updated over a week ago
What are my rights?
Your rights
Written by
Ana Wedlock
Updated over a week ago
Can I withdraw my loan?
Withdrawing a loan.
Written by
Ana Wedlock
Updated over a week ago
Who do I contact if I have a dispute?
Written by
Ana Wedlock
Updated over a week ago
Equifax, Centrix and credit bureaux - who are they and what do they do?
Credit reporting agencies. Credit reporters
Written by
Ana Wedlock
Updated over a week ago
I was unsuccessful, can you please tell me why?
Why your recent loan may have been unsuccessful or declined
Written by
Ana Wedlock
Updated over a week ago