Try our debt consolidation calculator.
Debt consolidation can make managing loans easier by bringing them together under a single monthly payment with a single interest rate. Use Harmoney's debt consolidation calculator to get an estimate of how quickly you could pay off your debts.
You can repay your loan ahead of the repayment schedule without any penalties or fees. If you have questions about how to calculate paying the remainder of your loan then get in touch with the Harmoney team via customerservice@harmoney.co.nz.
83% of Borrowers earn a lower rate over time*.
We'll review your situation regularly so we can offer you the lowest interest rate possible. When you keep up with your loan repayments on time every month, we may offer you a Top Up with a lower rate and a higher borrowing limit.
* Based on Top Up applications in 2017.