Harmoney Car Loans NZ

Harmoney provides car loan options that are friendly, fair, and even simple to use. Availing of Harmoney Car Loans in NZ can be a cheap way to finance your next vehicle purchase. With the help of Harmoney, you can get your new car loan within 24 hours, thanks to their smooth and easy application process.

Interested in checking out other providers in NZ for your car loan? Simply use our FREE comparison tool here at CompareBear. Save on your interest rates while taking a step closer to your dream car today!

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harmoney car loans nz

Why Choose Harmoney Car Loans?

Acquire flexible repayment options and competitive interest rates when you choose Harmoney for your car loan. They offer no early repayment penalties and an interest rate tailored to your specific circumstances, so you don’t have to worry about missing a repayment.

Application is also convenient and it’s easily done online. Harmoney only needs to ask a few questions regarding your preferences and your finances to immediately determine the best estimate for you.

How does Harmoney Car Loans in NZ work?

Unsecured Car Loans

Acquiring a loan from Harmoney does not require the use of any asset as a security guarantee. You can pay your unsecured loans on a weekly, fortnightly, or even a monthly basis, lending you another layer of flexibility.

You can also borrow any amount between $2,000 and $70,000 for a fixed term of either 3 or 5 years, with a fixed interest rate ranging from 6.99% to 24.69% p.a.

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Credit Sense is a tool used by most New Zealand lenders for assessing Kiwi transaction histories, allowing them to tailor their deals better. Of course, if you wish to take matters more into your own hands, they don’t need to use Credit Sense. You can simply provide them with three recent bank statements as proof of income alongside a proof of identity on your application.

You just need to be 18 years old or older and a New Zealand citizen or a permanent resident. You also need to be earning a stable income in order to meet your repayments and interest rates.

Yes. If you only need to use the car for a short period of time, you can opt to lease a vehicle from the dealership, which will simply be returned to the dealership at the end of the term.