It appears that Harmoney have loosened the auto lend criteria at present.
My experience is autolend was working slowly if I had my balance to outstanding principal ratio in double digit%.
For the past approx three weeks though the autolend has been working all the way into single digit%. My lowest ratio was 7%.
If it keeps working at these new low % then I will be happy. The higher % was a bit unfair. Fingers crossed the new lower levels stay.