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Harmoney logo — ASX / HMY. Personal loans to start almost anything. #Harmone...

Harmoney

ASX / HMY. Personal loans to start almost anything. #Harmoney #startnow #startfresh #HMY

Founded 2013 New Zealand New Zealand 163 employees Private Equity Total: $492.07M Finance, Financial Services +2

General Information

Company Name Harmoney
Founded Year 2013
Location New Zealand New Zealand +2
Employees 163
Industries Finance, Financial Services, Fintech +1
Funding Stage Private Equity
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About Harmoney

Harmoney (ASX:HMY) stands as Australasia’s leading 100% consumer-direct online lender, delivering financial solutions since its inception in 2013. Based in New Zealand, the company has successfully empowered over 70,000 individuals across Australia and New Zealand to achieve their financial goals, providing over $2 billion in loans to date.

Specializing in personal loans for diverse needs such as home renovations, business startups, or debt consolidation, Harmoney leverages data science and cutting-edge technology to offer personalized consumer choices. Their customer-centric approach redefines traditional lending models, emphasizing friendly and accessible financial products.

Recent accolades such as the Canstar award for seven consecutive years and recognitions from the NZ HiTech Awards 2020 and RateCity 2020 attest to its esteemed reputation. The company recently secured a €10.00M Private Equity investment from Smile Sail, reinforcing its growth trajectory. Listed on the Australian Stock Exchange, Harmoney continues to innovate in the Fintech sector.

Taxonomy: consumer-direct lending, online lending platform, personal loans, data-driven lending, responsible lending, debt consolidation, consumer finance, renovation loans, car loans, business start-up loans, big data utilization, tech-driven finance solutions, marketplace lending, personalized borrowing

Services & Products

Unsecured personal loans
Debt consolidation services
Home improvement loans
Wedding finance
Car loans
Holiday loans
Medical expenses funding
Business cashflow loans

Target Customers

Individuals seeking personal loans People looking to consolidate debts Homeowners planning renovations Couples planning weddings Car buyers Holiday travelers Patients in need of medical loans Education seekers Small business owners

Funding Rounds & Investors (9)

View All
Funding Stage Amount Investors Lead Investors Date
Private Equity •••••• 1 •••• •••• 22 May 2026
Debt Financing •••••• 1
Investor
01 Dec 2021
Post-IPO Debt •••••• 1
Investor
22 Dec 2020
Series C •••••• - 29 Oct 2019
Debt Financing •••••• - 29 Oct 2019

View All 9 Funding Rounds

Latest News

View All
Ghent-based Harmoney secures €10 million to scale AI-driven Counterparty Risk Management platform — Eu-startups
Ghent-based Harmoney secures €10 million to scale AI-driven Counterparty Risk Management platform
Eu-startups May 22, 2026

Harmoney Alternatives & Competitors

Harmoney vs
Aven
Aven United States

Our mission is to provide the lowest cost, most convenient, and most transparent access to capital.

166 employees
Harmoney vs
Upgrade, Inc.
Upgrade, Inc. United States

Improving access to affordable responsible credit since 2017.

Series F
1568 employees
Finance, Financial Services
Compare Harmoney vs Upgrade, Inc.
Harmoney vs
Prograd
Prograd United Kingdom

Making finance what it should be for young people: understandable and empowering.

Series A
21 employees
Finance, Financial Services
Compare Harmoney vs Prograd
Also compare with: Harmoney vs Harris Marketing Group Harris Marketing Group

FAQ About Harmoney

ASX / HMY. Personal loans to start almost anything. #Harmoney #startnow #startfresh #HMY
Harmoney was founded in 2013.
Harmoney is headquartered in New Zealand.
Harmoney operates in the following industries: Finance, Financial Services, Fintech, Lending and Investments.
Harmoney has approximately 163 employees.
Harmoney has completed 9 funding rounds, raising a total of $492.07M. The latest funding stage is Private Equity.
Harmoney offers: Unsecured personal loans, Debt consolidation services, Home improvement loans, Wedding finance, Car loans, Holiday loans, Medical expenses funding, Business cashflow loans.
Top alternatives and competitors to Harmoney include Aven, Upgrade, Inc., Prograd, Harris Marketing Group, Chime. These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.
Harmoney and Aven are both companies in similar industries. Compare their funding, team size, growth signals, and market position on Bounce Watch to see which one fits your needs.

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