PDF 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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