Harmoney Unsecured Personal Loan

UnsecuredFixed rate

Get up to $100,000 in as little as 9 minutes

5.94%

interest rate a year, from

5.94%

comparison rate, from

What it would cost

At the lowest published rate of 5.94%. The rate you are offered depends on your circumstances, and the establishment fee is not included.

BorrowOver

Against the other unsecured personal loans we compare. Typical means the middle half of them.

Comparison rate

5.94%

From 5.94%. A typical loan starts at 10.56%.

Cost of $20,000 over 5 years

$3,741

Interest and fees at its starting rate. Typical is $5,455.

Setup fee

$575

A typical setup fee is $213.

Monthly fee

None

A typical monthly fee is $10.

Most you can borrow

$100,000

Typically you can borrow up to $50,000.

Longest term

7 years

7 years is the usual longest term.

A lower starting rate. Its comparison rate starts at 5.94%, below the typical 10.56%, and the comparison rate counts the standard fees too, so it's a fair guide to a lower overall cost.
No monthly fee. The cost doesn't creep up the longer you take to repay.
Room to borrow more. Up to $100,000, more than the typical $50,000, which can cover bigger costs in one loan.
A fixed rate. Your repayments stay the same for the whole loan, which makes it easier to budget.
No security needed. Your car or home isn't at risk if things go wrong, though missed repayments still hurt your credit report.
A soft check on your rate. You can see the rate you'd get without it showing on your credit report.

Your rate isn't known until you apply. It's set by your credit history and finances, anywhere from 5.94% to 24.03%, and only some people get the starting rate.
A higher setup fee. $575, above the typical $213. It's usually added to the loan, so you pay interest on it too.

Unsecured loans from other lenders that start at a similar comparison rate.