Harmoney is an online direct personal lender operating in Australia and New Zealand. It offers unsecured personal loans up to $70,000, using risk-adjusted interest rates determined by AI and machine learning models[5]. The target audience includes individuals aged 18+ with a valid ID. Harmoney's unique selling proposition is its 100% online application process, providing fast and flexible loan options without monthly account fees[4]. The company focuses on institutional financing and lending from its own balance sheet, having transitioned from peer-to-peer lending[5].