Australia & New Zealand's Most Trusted D2C Brands 2026 › Harmoney
#70 of 100 – Financial Services

Harmoney

Online personal lender that sells loans straight to consumers in Australia and New Zealand through what it calls a consumer-direct model, with applications processed on its Stellare platform.

By Abhimanyu Ghosh, Chairman, WCRC, with the WCRC Business Intelligence Unit · November 2026

Consumer Trust 78/100
Harmoney ranked #70 in Australia & New Zealand's Most Trusted D2C Brands 2026 by WCRC
Trust Score73.38out of 100
ANZ D2C rank#70 of 100
HeadquartersAuckland, New Zealand
Founded2014
Latest revenueA$145M revenue (FY2026, year ended 30 Jun 2026)
Trust pillar78/100

The Harmoney story

Harmoney was founded in New Zealand in 2014 by Neil Roberts and is owned today by Public (ASX: HMY), Harmoney Corp Ltd. It is one of 9 Financial Services brands in this year's ranking, where it places #7.

Why people trust Harmoney

It says its platform can approve and fund loans within minutes, and it reported cash net profit of A$13.5M for FY2026, up 139%.

The watch-out

Credit losses rose to 3.9% from 3.7% in FY2026 and it has started adding a broker channel alongside its direct model.

Why Harmoney ranks #70

Strongest of the four trust-led pillars

Consumer Trust & Sentiment, scored 78 out of 100.

Room to grow

Brand Recall, scored 64 out of 100.

The WCRC D2C Trust Score gives 80% of the weight to Consumer Trust, Brand Recall, Positioning and Brand Love. Harmoney scores 73.38 overall.

Pillar profile

Consumer Trust & Sentiment (32%)
78
Brand Recall (18%)
64
Brand Positioning (15%)
76
Brand Love (15%)
70
Product, Innovation & Delivery (10%)
76
Digital & Financial Soundness (6%)
74
Governance & ESG (4%)
74

Versus its nearest rivals

68CarmaMobility · 73.9469HallensteinsFashion · 73.7670HarmoneyFinancial Services · 73.3871HIFInsurance · 73.2072UniMedInsurance · 72.74

Questions people ask

What rank is Harmoney in WCRC's Australia & New Zealand's Most Trusted D2C Brands 2026?

Harmoney ranks #70 of 100 in WCRC's Australia & New Zealand's Most Trusted D2C Brands 2026, with a WCRC D2C Trust Score of 73.38 out of 100.

Why is Harmoney trusted?

It says its platform can approve and fund loans within minutes, and it reported cash net profit of A$13.5M for FY2026, up 139%.

What is Harmoney's revenue?

A$145M revenue (FY2026, year ended 30 Jun 2026), as per company filings.

Who owns Harmoney?

Harmoney is owned by Public (ASX: HMY), Harmoney Corp Ltd. It was founded in 2014 in New Zealand and is based in Auckland, New Zealand.

What is Harmoney's biggest challenge?

Credit losses rose to 3.9% from 3.7% in FY2026 and it has started adding a broker channel alongside its direct model.

Key facts

BrandHarmoney
Company / ownerPublic (ASX: HMY), Harmoney Corp Ltd
HeadquartersAuckland, New Zealand
Founded2014
Founder(s)Neil Roberts
Latest revenueA$145M revenue (FY2026, year ended 30 Jun 2026), as per company filings
SectorFinancial Services
Country of originNew Zealand

Sources

  • Annual report and results announcements lodged with the ASX
  • Company website, official announcements and press releases
  • Published interviews and statements by the founders and leadership
  • WCRC Business Intelligence Unit research: consumer ratings and reviews, complaint records, search demand and social data
Want the full picture? For the detailed methodology, a brand's full assessment report, or the other factors behind a score, contact the WCRC Business Intelligence Unit at consulting@wcrcint.com.
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Disclaimer
  1. Who was considered. Only brands whose owners publish financial results, or that have publicly stated their own revenue, were considered. Brands that do not publish revenue have not been assessed or ranked. Not being on this list says nothing about a brand's quality.
  2. Eligibility. Ranked brands were founded in Australia or New Zealand, are controlled there today, and sell mainly direct to consumers: online, by app, by phone or mail order, or through their own stores under their own label. The rules are applied as of November 2026.
  3. Independent opinion. This ranking is WCRC's independent research and opinion, based on publicly available information as of November 2026. It is not an endorsement of any brand.
  4. Not advice. Nothing on this site is investment, financial, insurance, medical, legal or purchasing advice. Do not rely on it to make decisions of that kind.
  5. Scores. WCRC D2C Trust Scores are provisional assessments by the WCRC Business Intelligence Unit at the time of research. They are opinions, not measurements, and may be revised.
  6. Revenue and facts. Revenue is shown as lodged with the ASX or NZX, with ASIC or the New Zealand Companies Office, or published in company results, or, where marked, as stated by the company itself. Figures are in Australian or New Zealand dollars unless noted, and are not converted. Some figures are for a parent company segment, as noted. WCRC has not audited any figure. Facts are checked twice against public sources, but errors are possible.
  7. Trademarks. Brand names, logos and trademarks belong to their owners. Their use here is for identification only and does not imply any affiliation with or endorsement by WCRC.
  8. Use of the badge. Ranked brands may use the WCRC badge only as provided, linked to their page, and unaltered. Any other use of the WCRC name, badge or data needs WCRC's written permission.
  9. Rights and AI. © 2026 WCRC. All rights reserved. The WCRC D2C Trust Score and its methodology are proprietary. Copying, text and data mining, and use of this content to train artificial intelligence models are not permitted without written permission; WCRC expressly reserves these rights, including under Article 4 of EU Directive 2019/790.
  10. Corrections. To report an error or ask for a review, write to consulting@wcrcint.com. Corrections are made promptly.