How do I sign up as a lender?

Become a lender

Written by Ashley Broatch
Updated over a week ago

How long does this process take?

How long to complete the process and receive an outcome

Written by Ashley Broatch
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 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 this week

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 this week

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 this week

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 this week

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 this week

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?

Credit checks, credit files, credit reports, credit history

Written by Ashley Broatch
Updated this week

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

Credit scores and eligibility

Written by Ashley Broatch
Updated this week

What is adverse data?

Adverse data and its affect on your credit score

Written by Ashley Broatch
Updated this week

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

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

Why should I provide online bank statements?

Income automation, automated statement retrieval, bank login

Written by Ashley Broatch
Updated over a week ago

How do I know this service is secure?

Income automation security

Written by Ashley Broatch
Updated over a week ago

How do you access my bank statements?

How automated income verification works

Written by Ashley Broatch
Updated over a week ago

Can I add more than one bank account?

Income goes into another bank account. Adding another bank

Written by Ashley Broatch
Updated over a week ago

How do you know about my debts?

Sourcing your debts. Finding your debts.

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

I own a house with a mortgage. Is it still an asset?

Is a mortgage an asset?

Written by Ashley Broatch
Updated over a week ago

What is an asset?

Assets

Written by Ashley Broatch
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 Ashley Broatch
Updated over a week ago

What are ‘expenses’?

What are my expenses?

Written by Ashley Broatch
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 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

What is my ‘income’?

Regular income, completing the income page

Written by Ashley Broatch
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 Ashley Broatch
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 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

What are “loan terms”?

Written by Ashley Broatch
Updated this week

Will my loan be automatically approved?

Written by Ashley Broatch
Updated this week

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

Risk grades & interest rates

Written by Ashley Broatch
Updated this week

How long is my approval valid for?

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

Will my interest rate change over time?

Top Up, reducing my interest rate

Written by Ashley Broatch
Updated this week

How much money will I receive?

Written by Ashley Broatch
Updated this week

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

How is my loan end date calculated?

Loan end date

Written by Ashley Broatch
Updated this week

Can I pay off my loan before the set term?

Paying off your loan early

Written by Ashley Broatch
Updated this week

What happens if my loan is not funded?

Loan not funded. Full funding.

Written by Ashley Broatch
Updated this week

Can I change my repayment amount and schedule?

Repayment amounts, repayment schedule and frequency

Written by Ashley Broatch
Updated this week

Need help with account numbers, codes and references?

Completing the debts to consolidate page.

Written by Ashley Broatch
Updated over a week ago

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

How long will it take to get fully funded?

Getting funded

Written by Ashley Broatch
Updated over a week ago

What is ‘in funding’?

In funding

Written by Ashley Broatch
Updated over a week ago

Do lenders investing in my loan know who I am?

Lenders, funding, investors, access to information.

Written by Ashley Broatch
Updated this week

Can Harmoney change my interest rate once the loan is funded?

Change interest rate.

Written by Ashley Broatch
Updated this week

Can I withdraw my loan once it has been funded if I change my mind?

Withdrawing a loan

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

Can I cancel the loan?

Cooling-off period, cancelling my loan

Written by Ashley Broatch
Updated this week

How do I download a statement of my loan transactions?

Downloading transaction statements

Written by Bianca Lopez
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

LAI number or loan contract number

Where to find your LAI or loan contract number

Written by Ashley Broatch
Updated over a week ago

Where can I get information about my loan?

Written by Ashley Broatch
Updated this week

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

How do I know how much to pay and when?

Knowing your loan commitments

Written by Ashley Broatch
Updated over a week ago

What do I have to repay?

Understanding your commitments

Written by Ashley Broatch
Updated this week

Deferring repayments

Can I defer my payment that’s due?

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 this week

If I am concerned, or something in my financial situation life changes, who do I call?

Written by Ashley Broatch
Updated this week

Can I get help if I suffer hardship?

Hardship

Written by Ashley Broatch
Updated this week

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

Paying your loan off early

Getting a payout estimate, closing balance or final statement. Making additional payments. Increasing repayments.

Written by Ashley Broatch
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 Bianca Lopez
Updated over a week ago

Increase your repayments

How to increase your repayments

Written by Ashley Broatch
Updated over a week ago

Make additional or voluntary payments

How to make additional, extra or voluntary payments

Written by Ashley Broatch
Updated over a week ago

How do I do a joint quote?

Adding a partner to your quote. Co-borrower. Co borrower

Written by Ashley Broatch
Updated over a week ago

Experiencing a blank page in the process

Blank page

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

Applying for a Top Up

How can I apply for a Top Up?

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

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

Unsuccessful Top Up

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

Written by Ashley Broatch
Updated over a week ago

Can the loan terms be changed?

Written by Ashley Broatch
Updated this week

What are my rights?

Your rights

Written by Ashley Broatch
Updated this week

Can I withdraw my loan listing?

Written by Ashley Broatch
Updated this week

Can I have both a borrower and lender account?

Written by Ashley Broatch
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 Ashley Broatch
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 Ashley Broatch
Updated over a week ago