Office address: Level 3, 110 Customs Street West, Auckland CBD, Auckland 1010
Website: harmoney.co.nz
Year established: 2014
Company type: financial services
Employees: 80+
Expertise: digital lending, personal loans, peer-to-peer lending, credit risk assessment, financial technology, unsecured loans, online loan applications, customer service, debt consolidation
Parent company: Harmoney Corp Ltd
Key people: David Stevens (CEO), Simon Ward (CFO), Brad Hagstrom (COO), Richard Wyke (chief digital officer), Glen MacKellaig (chief marketing officer), Amanda Donaldson (chief people officer), Dan York (chief product officer)
Financing status: corporation backed or acquired
Harmoney is a leading lender serving both New Zealand and Australia that works fully online and deals directly with customers. It offers fast, unsecured personal loans with rates based on each person’s credit. It was also the first peer-to-peer lender licensed in New Zealand before moving to direct lending. As of 2025, it has helped over 100,000 people reach their goals and has lent more than $4.3 billion.
Harmoney was founded in 2014, after Neil Roberts set out to bring peer-to-peer lending to New Zealand. By July that year, the company became the country’s first licensed P2P lender and launched its online marketplace in September.
In its first year, the firm attracted major investors like Heartland Bank and Trade Me, created 65 jobs and passed $100 million in loans. Heartland Bank bought a 10% stake in Harmoney and provided a funding line.
By 2015, the company was preparing to expand into Australia, having received over $1 billion in loan enquiries and 3,000 active investors. The team grew to around 85 staff, mostly based in Auckland, with many working in engineering and data science.
By 2021, Harmoney had reached $2 billion in total loan originations across Australia and New Zealand. The company saw a 60% rise in new customer loans, with total loan originations at $120 million.
Since its start, Harmoney has facilitated over $4.3 billion in loans to more than 100,000 customers. The company has created over 100 jobs and built a culture focused on helping people through technology and responsible lending.
In 2025, Harmoney reported a record net profit of $5.7 million. A significant factor in this result was Stellare® 2.0, its new lending platform now used in both Australia and New Zealand.
Harmoney’s products stand out for their speed, simplicity and fully digital experience. Customers can access funds quickly with flexible options and tailored rates, all through an easy online process.
Harmoney also delivers a 90-second quote, automated credit checks and high customer satisfaction rating. Their Stellare® 2.0 platform drives automation and efficiency, while responsible lending and strong data security give customers peace of mind.
Harmoney’s team creates smart products with advanced technology to help people start new projects and reach their goals. The company values responsible lending and believes fair access to money lets people do what matters most. Their culture is driven by their Harmoney Manifesto focused on building tools that support dreams and encourage new beginnings.
Their values surround being ‘EPIC’:
Here are some of the benefits Harmoney offers:
inclusive culture: everyone’s ideas are valued and respected
hybrid and flexible work: mix of home and office, focused on outcomes
personal growth: access to training, development budgets and mentoring
competitive salary: strong pay with a full benefits package
wellbeing support: wellness days, social events and a day off on your birthday
modern technology: work with the latest systems and tools
supportive team: high calibre colleagues and a friendly, collaborative culture
practical perks: bookable parking and Southern Cross health insurance options
People at Harmoney say that the company is a place where learning happens every day and growth is encouraged. Many report that they feel proud to work for a fintech that matches their values and supports both teams and clients.
David Stevens serves as CEO of Harmoney, guiding its expansion in consumer and commercial finance in New Zealand and Australia. Before joining in 2019, he headed a finance start-up that attracted investment from a leading Australian bank. Earlier, he served as CEO and CFO at Humm, previously known as FlexiGroup.
Helping Stevens in leading the firm is a team of experienced professionals:
Simon Ward serves as CFO, leading finance after a legal and banking background in London
Brad Hagstrom is COO, managing operations and new product channels with experience from PRF Direct
Richard Wyke leads as chief digital officer, overseeing engineering and product delivery for top customer experience
Glen MacKellaig acts as chief marketing officer, driving digital strategy with experience from Westpac, ANZ and TOWER
Amanda Donaldson is chief people officer, building workplace culture and leading HR in fast-paced environments
Dan York serves as chief product officer, focusing on product vision and launching NZ’s first online savings product
This group guides Harmoney as a top digital lender across Australasia.
Harmoney celebrated its 10-year anniversary in 2025, bringing together staff and friends to mark this milestone. The event recognised the company’s focus on innovation, purpose and customer care, as well as the important role of long-tenure employees and leadership. This milestone shows its focus on culture and values, setting the stage for future growth.
Also, the company released their 2025 annual report which highlights record profits and steady loan book growth. The rollout of Stellare® 2.0 improved automation and customer service across New Zealand and Australia.
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