A flexible unsecured loan for whatever life throws at you.
Borrow $2,000 – $70,000 for almost any purpose.
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What Aussies use a personal loan for.
- Consolidating credit cards or BNPL
- Renovations or new appliances
- Weddings, holidays, life events
- Medical or dental costs
- Unexpected bills
Why borrowers pick this loan.
Personalised rate based on your credit profile — not a headline rate
Fixed repayments so you know exactly what you'll pay each month
No early repayment fees on Harmoney unsecured loans
100% online — no branch visits, no paperwork
Am I eligible?
You'll typically need to meet these criteria — final approval is at the lender's discretion.
- 18+ and an Australian citizen or permanent resident
- Earning at least $25,000 per year
- Not currently bankrupt or in a debt agreement
- Good to fair credit history
What might it cost?
Personal loan questions.
How fast can I actually get the money?+
Once approved and your loan is signed, funds are typically in your Australian bank account within 5 minutes via NPP/PayID. Same-day at the outside.
Will checking my rate hurt my credit score?+
No. LoansAi.au uses a soft credit check to show your personalised rate. A hard enquiry only happens if you choose to formally apply.
What's the difference between the interest rate and the comparison rate?+
The comparison rate includes fees and gives you a more accurate cost of the loan. Always compare loans using the comparison rate.