Harmoney Corp Limited is a New Zealand-based online direct personal lender that operates across Australia and New Zealand providing customers with unsecured personal loans. The Company’s primary business is to originate, service and invest in loans. The Company’s digital lending platform, Stellare, facilitates its personalized loan product with applications processed and loans funded within 24 hours of acceptance by the customer. Stellare applies a customer’s individual circumstances to its data-driven, machine-learning credit scorecard to deliver automated credit decisions and risk-based pricing. The Company offers various loans, including personal loans, debt consolidation, home improvements, wedding loans, car loans, holiday loans, education loans, medical expenses, and business loans.