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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
Employees 163
Industries Finance, Financial Services, Fintech +1
Funding Stage Private Equity
Business Model B2C, Platform, D2C
Revenue Model Usage Based, Service Fee
Social

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Recorded by Bounce Watch from public sources. Every entry below carries the date we observed it, and when we have not looked recently the page says so rather than leaving silence to imply nothing happened.

In The News Oct 01, 2026

Featured on Tech: Belgium’s top-funded tech companies in H1 2026

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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.

Business keywords: 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 €10.00M 1
Smile Sail
22 May 2026
Debt Financing $20.00M 1
OneVentures
OneVentures
01 Dec 2021
Post IPO Debt NZD200.00M 1
M&G Investments
M&G Investments
22 Dec 2020
Series C $22.90M -
29 Oct 2019
Debt Financing $20.00M -
29 Oct 2019
Series B $670.00K 1
Trade Me
09 Nov 2016
Series B $8.50M 1
Alternative Credit Investments
15 Feb 2016
Private Equity Round NZD200.00M 1
Alternative Credit Investments
25 Sep 2015
Series A $10.00M 3
NZX
NZX, Trade Me +1
12 Jan 2015

Latest News

View All
Belgium’s top-funded tech companies in H1 2026 — Tech
Belgium’s top-funded tech companies in H1 2026
Tech Oct 01, 2026
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

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Harmoney vs
Marlette Funding
Marlette Funding

Simplifying consumer borrowing with a swift, easy-to-use online loan platform that offers instant ap...

Series E
Financial Services, Fintech
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Harmoney vs
Avant
Avant United States

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946 employees
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Harmoney vs
CashCall, Inc.
CashCall, Inc. United States

For consumers who want to resolve and eliminate debt!

151 employees
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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 Finance, Financial Services, Fintech and Lending and Investments. Its work centres on consumer-direct lending, online lending platform, personal loans and data-driven lending. Its customers include Individuals seeking personal loans, People looking to consolidate debts and Homeowners planning renovations.
Harmoney has a B2C, Platform and D2C business model. Its revenue comes from Usage Based and Service Fee.
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 Marlette Funding, Avant, CashCall, Inc., Abound, Liber Finance Group. These companies operate in related industries and serve comparable markets. You can compare them side by side on Bounce Watch.
Harmoney and Marlette Funding 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.

Source: BounceWatch company record for Harmoney, https://bouncewatch.com/company/harmoney, updated 5 June 2026. When citing, please name BounceWatch and link this page.

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