Our position
We are in the lending space between banks and payday lenders. This is our differentiated space.
Our average loan amount is upwards of 25k, what we're lending isn’t a quick decision but one that needs a bit of consideration. 5k is a snap decision, more than 20k requires a bit of reflection.
To be successful in this area we need to build trust. Not by asking people to trust us, but by acting like
we are trusted. So we have created a brand language that places us between banks and neo banks.
We’re reframing convention and addressing the aspirational state. We’re solving problems and selling opportunities.
Introduction
Harmoney was started by a team of people who weren’t afraid to give it a go. Really that’s why we’re here, to give others the opportunity to give it a go,
to finally start the thing they’ve always wanted to do, or help them start over.
Our intent
We help people make a start.
We do this by providing personal loans for people who want to start something. Things they may not have ever thought possible. But people’s relationship with money isn’t always so straight forward—sometimes it’s quite complex, sometimes it’s tied
up with the idea of debt shame.
That’s why our goal is to humanise our approach, make it less scary, help them to understand. Help them be more financially literate so they make smarter decisions and have the confidence to
safely borrow what they really need. Because after all, money is there to help people get things done.
Our philosophy and principles
guide every experience we design
for Harmoney. Here we explain why we do what we do and how we can keep doing it.
