Total Cost of Borrowing
Total Cost of Borrowing
This table shows the total cost of borrowing through Harmoney. The total cost of borrowing is the total amount of interest paid over the term of the loan plus the cost of the only compulsory fee - the Platform Fee The costs shown are for the full term of the loan. If you repay faster than required the cost of borrowing will reduce as you pay less interest. There is no fee for prepayment. These costs are indicative.
Term (months) Platform Fee
36 $500
Risk Grade Interest Rate Loan Amount (ex. Platform Fee)
$5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 $55,000 $60,000 $65,000 $70,000
A1 6.99%
$1,113 $1,670 $2,227 $2,784 $3,341 $3,898 $4,455 $5,012 $5,569 $6,126 $6,683 $7,240 $7,797 $8,354
A2 8.49%
$1,249 $1,931 $2,612 $3,293 $3,975 $4,656 $5,337 $6,019 $6,700 $7,381 $8,063 $8,744 $9,425 $10,107
A3 9.99%
A4 10.99%
A5 11.99%
B1 12.99%
B2 13.69%
B3 13.99%
B4 14.49%
B5 14.79%
C1 14.99%
C2 15.49%
C3 15.99%
C4 16.49%
C5 16.99%
D1 18.99%
D2 20.49%
D3 22.49%
D4 24.39%
D5 25.69%
E1 26.79%
E2 27.49%
E3 27.99%
E4 28.49%
E5 28.69%
$1,388 $2,195 $3,002 $3,810 $4,617 $5,424 $6,231 $7,039 $7,846 $8,653 $9,460 $10,268 $11,075 $11,882
$1,481 $2,373 $3,266 $4,158 $5,050 $5,942 $6,834 $7,726 $8,618 $9,510 $10,402 $11,295 $12,187 $13,079
$1,575 $2,553 $3,531 $4,509 $5,486 $6,464 $7,442 $8,420 $9,397 $10,375 $11,353 $12,330 $13,308 $14,286
$1,670 $2,734 $3,799 $4,863 $5,927 $6,991 $8,055 $9,119 $10,183 $11,247
$1,737 $2,862 $3,987 $5,112 $6,237 $7,362 $8,487 $9,612 $10,737 $11,862
$1,766 $2,917 $4,068 $5,220 $6,371 $7,522 $8,673 $9,824 $10,975 $12,126
$1,814 $3,009 $4,204 $5,399 $6,594 $7,789 $8,984 $10,179 $11,374 $12,568
$1,843 $3,065 $4,286 $5,507 $6,728 $7,950 $9,171 $10,392 $11,614 $12,835
$1,863 $3,102 $4,341 $5,579 $6,818 $8,057 $9,296 $10,535
$1,911 $3,194 $4,477 $5,760 $7,043 $8,327 $9,610 $10,893
$1,960 $3,287 $4,615 $5,942 $7,270 $8,597 $9,924 $11,252
$2,009 $3,381 $4,753 $6,125 $7,497 $8,869 $10,240 $11,612
$2,058 $3,475 $4,891 $6,308 $7,725 $9,141 $10,558 $11,974
$2,257 $3,854 $5,451 $7,048 $8,646 $10,243
$2,408 $4,142 $5,877 $7,611 $9,346 $11,080
$2,612 $4,532 $6,452 $8,372 $10,292 $12,212
$2,809 $4,908 $7,006 $9,105 $11,204 $13,303
$2,945 $5,168 $7,390 $9,613 $11,835 $14,058
$3,061 $5,389 $7,718 $10,046
$3,136 $5,531 $7,927 $10,323
$3,189 $5,633 $8,078 $10,522
$3,242 $5,736 $8,229 $10,722
$3,264 $5,777 $8,289 $10,802
Term (months) Platform Fee
60 $500
Risk Grade Interest Rate Loan Amount (ex. Platform Fee)
$5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 $55,000 $60,000 $65,000 $70,000
A1 6.99%
$1,533 $2,472 $3,411 $4,350 $5,289 $6,228 $7,167 $8,105 $9,044 $9,983 $10,922 $11,861 $12,800 $13,739
A2 8.49%
$1,769 $2,922 $4,076 $5,229 $6,383 $7,536 $8,690 $9,843 $10,997 $12,150 $13,304 $14,458 $15,611 $16,765
A3 9.99%
A4 10.99%
A5 11.99%
B1 12.99%
B2 13.69%
B3 13.99%
B4 14.49%
B5 14.79%
C1 14.99%
C2 15.49%
C3 15.99%
C4 16.49%
C5 16.99%
D1 18.99%
D2 20.49%
D3 22.49%
D4 24.39%
D5 25.69%
E1 26.79%
E2 27.49%
E3 27.99%
E4 28.49%
E5 28.69%
$2,010 $3,383 $4,755 $6,128 $7,500 $8,873 $10,246 $11,618 $12,991 $14,364 $15,736 $17,109 $18,482 $19,854
$2,173 $3,695 $5,216 $6,737 $8,258 $9,780 $11,301 $12,822 $14,343 $15,864 $17,386 $18,907 $20,428 $21,949
$2,339 $4,011 $5,683 $7,354 $9,026 $10,698 $12,370 $14,042 $15,714 $17,385 $19,057 $20,729 $22,401 $24,073
$2,507 $4,331 $6,156 $7,980 $9,804 $11,629 $13,453 $15,278 $17,102 $18,926
$2,626 $4,558 $6,490 $8,423 $10,355 $12,287 $14,220 $16,152 $18,084 $20,017
$2,677 $4,656 $6,635 $8,614 $10,592 $12,571 $14,550 $16,529 $18,508 $20,487
$2,763 $4,820 $6,876 $8,933 $10,990 $13,047 $15,104 $17,161 $19,218 $21,275
$2,814 $4,918 $7,022 $9,126 $11,230 $13,334 $15,438 $17,542 $19,646 $21,750
$2,849 $4,984 $7,120 $9,255 $11,391 $13,526 $15,661 $17,797
$2,936 $5,150 $7,365 $9,579 $11,793 $14,008 $16,222 $18,436
$3,023 $5,317 $7,611 $9,905 $12,198 $14,492 $16,786 $19,080
$3,111 $5,485 $7,859 $10,232 $12,606 $14,980 $17,354 $19,727
$3,200 $5,654 $8,108 $10,562 $13,016 $15,470 $17,925 $20,379
$3,559 $6,339 $9,120 $11,900 $14,681 $17,461
$3,833 $6,863 $9,894 $12,924 $15,954 $18,984
$4,206 $7,576 $10,945 $14,315 $17,684 $21,054
$4,568 $8,267 $11,965 $15,664 $19,362 $23,060
$4,820 $8,747 $12,674 $16,601 $20,529 $24,456
$5,035 $9,158 $13,281 $17,404
$5,174 $9,422 $13,671 $17,920
$5,273 $9,612 $13,951 $18,290
$5,373 $9,802 $14,232 $18,661
$5,413 $9,879 $14,345 $18,811
Total repayment over the life of the loan
This table shows the total repayments over the life of the loan based on the loan amount, interest rate, and term shown. Total repayments includes principal and interest and the Platform Fee The repayments shown are for the full term of the loan. If you repay faster than required the total repayments will be lower as as you pay less interest. There is no fee for prepayment. These cost are indicative.
Term (months) Platform Fee
36 $500
Risk Grade Interest Rate Loan Amount (ex. Platform Fee)
$5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 $55,000 $60,000 $65,000 $70,000
A1 6.99%
$6,113 $11,670 $17,227 $22,784 $28,341 $33,898 $39,455 $45,012 $50,569 $56,126 $61,683 $67,240 $72,797 $78,354
A2 8.49%
$6,249 $11,931 $17,612 $23,293 $28,975 $34,656 $40,337 $46,019 $51,700 $57,381 $63,063 $68,744 $74,425 $80,107
A3 9.99%
A4 10.99%
A5 11.99%
B1 12.99%
B2 13.69%
B3 13.99%
B4 14.49%
B5 14.79%
C1 14.99%
C2 15.49%
C3 15.99%
C4 16.49%
C5 16.99%
D1 18.99%
D2 20.49%
D3 22.49%
D4 24.39%
D5 25.69%
E1 26.79%
E2 27.49%
E3 27.99%
E4 28.49%
E5 28.69%
$6,388 $12,195 $18,002 $23,810 $29,617 $35,424 $41,231 $47,039 $52,846 $58,653 $64,460 $70,268 $76,075 $81,882
$6,481 $12,373 $18,266 $24,158 $30,050 $35,942 $41,834 $47,726 $53,618 $59,510 $65,402 $71,295 $77,187 $83,079
$6,575 $12,553 $18,531 $24,509 $30,486 $36,464 $42,442 $48,420 $54,397 $60,375 $66,353 $72,330 $78,308 $84,286
$6,670 $12,734 $18,799 $24,863 $30,927 $36,991 $43,055 $49,119 $55,183
$6,737 $12,862 $18,987 $25,112 $31,237 $37,362 $43,487 $49,612 $55,737
$6,766 $12,917 $19,068 $25,220 $31,371 $37,522 $43,673 $49,824 $55,975
$6,814 $13,009 $19,204 $25,399 $31,594 $37,789 $43,984 $50,179 $56,374
$6,843 $13,065 $19,286 $25,507 $31,728 $37,950 $44,171 $50,392 $56,614
$6,863 $13,102 $19,341 $25,579 $31,818 $38,057 $44,296
$6,911 $13,194 $19,477 $25,760 $32,043 $38,327 $44,610
$6,960 $13,287 $19,615 $25,942 $32,270 $38,597 $44,924
$7,009 $13,381 $19,753 $26,125 $32,497 $38,869 $45,240
$7,058 $13,475 $19,891 $26,308 $32,725 $39,141 $45,558
$7,257 $13,854 $20,451 $27,048 $33,646
$7,408 $14,142 $20,877 $27,611 $34,346
$7,612 $14,532 $21,452 $28,372 $35,292
$7,809 $14,908 $22,006 $29,105 $36,204
$7,945 $15,168 $22,390 $29,613 $36,835
$8,061 $15,389 $22,718
$8,136 $15,531 $22,927
$8,189 $15,633 $23,078
$8,242 $15,736 $23,229
$8,264 $15,777 $23,289
Term (months) Platform Fee
60 $500
Risk Grade Interest Rate Loan Amount (ex. Platform Fee)
$5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 $55,000 $60,000 $65,000 $70,000
A1 6.99%
$6,533 $12,472 $18,411 $24,350 $30,289 $36,228 $42,167 $48,105 $54,044 $59,983 $65,922 $71,861 $77,800 $83,739
A2 8.49%
$6,769 $12,922 $19,076 $25,229 $31,383 $37,536 $43,690 $49,843 $55,997 $62,150 $68,304 $74,458 $80,611 $86,765
A3 9.99%
A4 10.99%
A5 11.99%
B1 12.99%
B2 13.69%
B3 13.99%
B4 14.49%
B5 14.79%
C1 14.99%
C2 15.49%
C3 15.99%
C4 16.49%
C5 16.99%
D1 18.99%
D2 20.49%
D3 22.49%
D4 24.39%
D5 25.69%
E1 26.79%
E2 27.49%
E3 27.99%
E4 28.49%
E5 28.69%
$7,010 $13,383 $19,755 $26,128 $32,500 $38,873 $45,246 $51,618 $57,991 $64,364 $70,736 $77,109 $83,482 $89,854
$7,173 $13,695 $20,216 $26,737 $33,258 $39,780 $46,301 $52,822 $59,343 $65,864 $72,386 $78,907 $85,428 $91,949
$7,339 $14,011 $20,683 $27,354 $34,026 $40,698 $47,370 $54,042 $60,714 $67,385 $74,057 $80,729 $87,401 $94,073
$7,507 $14,331 $21,156 $27,980 $34,804 $41,629 $48,453 $55,278 $62,102
$7,626 $14,558 $21,490 $28,423 $35,355 $42,287 $49,220 $56,152 $63,084
$7,677 $14,656 $21,635 $28,614 $35,592 $42,571 $49,550 $56,529 $63,508
$7,763 $14,820 $21,876 $28,933 $35,990 $43,047 $50,104 $57,161 $64,218
$7,814 $14,918 $22,022 $29,126 $36,230 $43,334 $50,438 $57,542 $64,646
$7,849 $14,984 $22,120 $29,255 $36,391 $43,526 $50,661
$7,936 $15,150 $22,365 $29,579 $36,793 $44,008 $51,222
$8,023 $15,317 $22,611 $29,905 $37,198 $44,492 $51,786
$8,111 $15,485 $22,859 $30,232 $37,606 $44,980 $52,354
$8,200 $15,654 $23,108 $30,562 $38,016 $45,470 $52,925
$8,559 $16,339 $24,120 $31,900 $39,681
$8,833 $16,863 $24,894 $32,924 $40,954
$9,206 $17,576 $25,945 $34,315 $42,684
$9,568 $18,267 $26,965 $35,664 $44,362
$9,820 $18,747 $27,674 $36,601 $45,529
$10,035 $19,158 $28,281
$10,174 $19,422 $28,671
$10,273 $19,612 $28,951
$10,373 $19,802 $29,232
$10,413 $19,879 $29,345
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