Easy Process Great Team
Customer Service was excellent. Very supportive and friendly. The process was fast with a fast response waiting hours not days. Rate is average as other loan specialists. I would recommend Harmoney and would use them again.
The reviewer stated that an incentive was offered for this review
- Verified customer
It was one of the greatest experience dealing with a money lender the ease and faith put in me was fantastic When I need money or people I know do I know exactly where to go
Don't use this company if you care about your credit score!!!
If you care about your credit score don't touch this company. I started an application & didn't even go past the 2nd page. I ticked agree to a credit check on the first page which is perfectly normal at the end of an application to take place.
They did a credit check after just filling out my name, DOB & license number & following this I lost 100 points on my credit score just by starting the application. No bank EVER does this.
It was a quick and easy transparent process from start to finish. I have experienced very frustrating applications in the past with assessment processes that did not accurately reflect my circumstances. The process with Harmoney was fair and accurate.
Customer service was outstanding. The costs were explained and no problems were encountered. Very happy with both the online and personal service through phone calls I received from the service team
Could be happier
Harmoney is a great company to work with, but their interest rates are out of this world, I'm talking about 24% and they will Not refinance to reduce the interest rate for the remainder, even though we are uptodate on all on the loan.
VERY DISAPPOINTING AND UNINVITING. I don't believe I will ever go with them again.
Start by saying my credit rating is excellent and i have considerable assets, Easy application process then i was offered $12500k after applying for $50k at the rate of 22.5%, i mean really ?? We just had a royal commission into this nonsense, i could get a credit card if i wanted to pay payday lender rates, never use them again and i would recommend anyone giving them a wide berth.
Terrible, never again.
Although the application process seemed fast and seamless, my loan was withdrawn after I had already been approved. I understand the current climate but if they were going to halt all loans they should not have allowed the application let alone have approved it! Very unprofessional and unethical. I will never use them again.
Cannot ask for more!
I find(found) the Process of the
Application very easy to understand and excecute.
Prompt e mails if and when questions or Problems arouse
from the Team were appreciated very much.
The Speed for the Process and
reviewing and approving the Application was also very satisfying. Over all the Product and its friendly Team of Consultants/Advisers deserve my 5 Star rating.
Very warm Regards
A quick & easy process
I’ve found the whole process quick and easy. The online application was so easy to follow and understand. The automatically generated figures made the whole process so much faster and easier. The chat pop ups where really helpful with all the little tips. And the call I received from Lenny was really helpful. He was pleasant, knowledgeable and friendly. Thanks so much Harmoney!!
Fast. Efficient. Simple
The website application was user friendly making the process simple. My experience with Mia, the customer service person was exceptional and continued the user friendly service. I am very happy with my choice.
Fast, friendly & efficient service. A+
Applied late and was approved first thing next day. After accepting I had the funds within a few hours, it couldn't have been any easier. Very helpful, friendly staff, especially Mia, who was lovely.
Bad,bad customer service
I was a good customer of harmoney over several years with an A1credit score and a loan rate of 6.99%. I repaid my last loan early, 2 months ago and decided to take out another 7k loan just the other day. My personal circumstances are very strong and they have only improved more since my previous harmoney loan. This time harmoney want to charge me 14% interest?
Get lost harmoney!
- Verified customer
WARNING: Lies From Customer Service and Crazy Interest Rates
I have a good credit score and I hope I still do after attempting to use them. My Loan was approved with an interest rate of 17.49%. I was also told my Loan would be funded over night, this did not happen. I rang up to cancel it, the lady said she cancelled it but didn't!
UPDATE: Within minutes of typing this review my loan was funded after cancelling it. I have decided to accept this loan and cancel the new application I submitted with a different loan provider because I would now need to pay the $500 application fee and what ever the early ...payout amount is. I also do not know what it is going to do to my credit report now if I go with another loan provider after having this loan fully funded. It is just such a mess!!! This review is just for the application process which is HORRIBLE!, I hope the experience paying back the loan is a lot smoother. I do not recommenced this company at all.
Don't use Harmoney!!
Submitted docs, lady rang like 5 days later and said everything the opposite to what i submitted and she said its declined, I am like you just stated someone elses funds, cause what you just said to me has nothing to do with me. Then they sent me an email approving me for debt consolidate loan asap, and please approve and lenders are waiting to lend to you. this company seems a bit dodgy, stay away if you can!
WARNING! Do not use this pathetic company.
Applied online. Says 48 hours for decision. 10 days later they still asking for documentation that I have already uploaded and sent by email. Want my logon details for banking. Speak to 20 different people and tell same thing to every 1 of them. Worst lender in the market. 40 point drop on credit rating and I withdrew my application as they have no clue whatsoever about lending criteria. Wouldnt go near this useless company ever again and advise others to avoid at all costs. I have reported them to AFCA and encourage others to do the same about their shady practices.
I just asked about personal loan options without any application, they show it on my credit report. Can’t understand why
I just asked about personal loan options without any application, they show it on my credit report. Can’t understand why they did that and no one informed me from their employees about that.
Questions & Answers
I don’t have a drivers licence or passport only a photo I’d card a pension card and a Medicare card and my credit score is good
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