We’re Here to Make Money Simple
Get simple, fast, low-rate personal loans
1000+
Personal Loans
Finance your big ideas
Car Loans
Buy your next car with ease
Debt Consolidation
Refinance for a fresh start
Handypay
Small payments for big ideas
Home Improvements
Make your house a home
Pools and Spas
Your backyard upgrade awaits
Green Loans
Going solar made simple
Wedding Loans
Celebrate your perfect day
Holiday Loans
Book your next adventure
Get my personal loan estimate in minutes
It’s quick, easy and won’t impact your credit score
Interest rate from
6.57
%
p.a.*
Comparison rate
7.51
%
p.a.*
Fast, flexible finance
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Low rates
Using the latest in financial tech, we cut the cost and time out of processing your request, so we can offer you the best possible interest rates.
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Quick & easy
Receive a quote in minutes, 100% online application. No printing. No paper. No fuss.
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Self Managed
Easily review and manage your loan account online, and get support when you need it.
We’re on a mission to make money simple
Handy Finance offers a range of lending and credit management solutions to help you feel good about money.
Looking to fund your next big idea? No problem! Handy Finance is an award-winning personal loan provider offering up to $75,000, and up to $100,000 for home improvement projects and motor vehicles, with terms up to 7 years. So, whether you’re looking to renovate your home, consolidate your debts into one, purchase a car, or go on big family holiday, we could have a handy solution for you!
Personal loans tailored to your financial needs
You must be 18 years or older to apply for a financial loan with Handy Finance, as well as be currently employed (or self-employed) and be an Australian citizen or permanent resident. You’ll need to submit information to support your loan application and prove that you meet the eligibility criteria.
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Amounts & Terms
At Handy Finance, we offer personal loans between $2,001 and $75,000, with up to $100,000 available for home improvement projects and motor vehicles, repayable over one to seven years.
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Fixed Rates
All our personal financial loans are fixed-rate. Your interest rate, and therefore your repayments stay the same over the term of the loan, which can make budgeting a lot easier.
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Secured & Unsecured
We offer both secured and unsecured financial loans – with the loan type you apply for based on your application and financial circumstances.
What types of personal loans does Handy Finance offer?
With Handy Finance, you can take out personal loans to cover:
For Businesses
Handypay provides your customers with a flexible way to pay, so you can convert more leads and boost sales.
Provide more options for your customers, and improve the affordability of your product or service, by allowing customers to pay over time.
Get in touch to learn how our embedded finance solutions can support your business.
Frequently asked questions
Need help with something? Here are our most frequently asked questions.
Why should I choose Handy Finance for a financial loan?
Handy Finance is all about fast, flexible finance. Our loan experts take into account your complete financial situation to provide a loan offer tailored to your needs and budget. We offer personalised loan terms based on your individual needs and financial situation in the aim that you’ll be able to repay your loan without any extra financial stress.
What documents do I need to apply for a personal loan?
You will need to submit identification, such as a driver’s licence or passport, and provide three months of bank statements to verify your expenses and income, which we do through the Illion Bank Statement service. These documents will help prove you meet the eligibility criteria for a Handy Finance loan.
What type of personal loans does Handy Finance offer?
Handy Finance offers a range of personal loans. You can apply for loans to cover travel expenses, medical and dental expenses and home renovation costs. There are also loans to cover the purchase of cars, caravans, jet skis and boats. Handy Finance also offers a green loan, which can cover the installation of solar panels at home or any other upgrades to your house to make it more environmentally friendly. You can also take out a personal loan with the aim of consolidating your debts.
How do I qualify for a personal loan?
To be eligible for a loan with Handy Finance, you must be over 18 years of age, have regular employment, be an Australian citizen or permanent resident, and not be party to a current court judgment or have a history of bankruptcy.
Does Handy Finance offer pre-approval?
Yes, we do! You can get pre-approved online. All you need to do is submit the application form. Pre-approval provides you with an indication of what your buying power is. It can help you plan with a clear budget in mind.
Where does Handy Finance operate?
Handy Finance operates in all states across Australia.
How does Handy Finance differ from a bank?
Handy Finance is an independent finance company. Our team is dedicated to taking the stress and pain out of finance for everyone. We created our loans to be simple, fast and flexible – and, most importantly, tailored to you.
We’re not a traditional bank. We aim to keep our operating costs low so we can offer you competitive loan rates and terms, as well as dedicated customer support. Think of us as your partner in accessible finance, created to help bring your dreams to life today.