Skip to navigation Skip to content
Image_Block_1 (1)

Secured car loans: your path to affordable car financing

If you’re in need of a new car or you’re looking to refinance your car at a more competitive interest rate, a Handy Finance Secured Car Loan is for you.
Our secured car loans offer flexible loan terms and no early exit fees. If you’re looking for fast and flexible financing, get in touch with our loan experts today.

$2-75k Loan Amounts

$0 Monthly Fees

$0 Early Repayment Fees

1-7 yrs Flexible Loan Terms

The Process

3 quick and easy steps to securing your loan

Get a Free Quote

Obtain an indicative rate quote in minutes, without impacting your credit score!

Apply in Minutes

If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.

Get Your Funds

You will receive an indicative decision in seconds. Once approved funds should be in your account within 24 hours

Get a quote
Get a Free Quote icon
Get a Free Quote icon
Get a Free Quote icon

Get a Free Quote

Obtain an indicative rate quote in minutes, without impacting your credit score!

Review
Apply in Minutes icon
Apply in Minutes icon
Apply in Minutes icon

Apply in Minutes

If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.

Get funds
Get Your Funds icon
Get Your Funds icon
Get Your Funds icon

Get Your Funds

You will receive an indicative decision in seconds. Once approved funds should be in your account within 24 hours

Green loan calculator

Estimate how your repayments could look like so you can start your journey to a greener future with complete transparency.

Calculator
Calculator
$25000
4 Years
Select repayments type
Your Repayments From
$254.85
per week
This will not impact your credit score
Indicative Rate From
6.57%
Comparison Rate From
7.19%
The interest rate and repayment amount are estimates only and are based on the information you have provided. Your actual interest rate and repayment amount may be different. Terms and conditions, fees and charges and eligibility and lending criteria apply.
Fund
The interest rate and repayment amount are estimates only and are based on the information you have provided. Your actual interest rate and repayment amount may be different. Terms and conditions, fees and charges and eligibility and lending criteria apply.
Handy Guide

Green Loans Explored

Dive deeper into the key questions about green loans with our valuable insights, designed to help you make informed decisions toward a greener future.

Handy Guide

So, just what is a green loan?

We know how important sustainability is to our customers. That’s why we offer the Handy Finance Green Loan: a loan created to make sustainable choices more accessible. Green loans are a type of personal loan that finance buying environmentally friendly products or upgrades. A good example: funding solar panel installation on your property so you can use the sun’s power to reduce your carbon footprint.

You can also use your green loan to invest in energy-efficient appliances and systems that not only lighten the load on the environment but also on your wallet. Upgrade your heating and cooling systems or invest in cutting-edge insulation solutions: a green loan equips you with the funds to transform your space into an eco-friendly haven.

Green loans have repayment terms of up to 10 years, unlike other personal loans with terms of up to 7 years. You have more time to spread the repayments of your loan, which can reduce the amount you pay each week, fortnight or month and give you additional peace of mind.

Why should I get a green loan?

There are many ways to finance your purchase of a green product or adopt greener technologies, but a green loan provides flexibility. A Handy Finance Green Loan provides a competitive interest rate and affordable repayment terms of up to 10 years. Funds from your loan will also be made available 24 hours after your application is approved, so you can take advantage of any special deals or sales with a time limit.

How does a green loan work?

At Handy Finance, our green loans work in the same way our other personal loans do. A green loan is specifically tailored to you and your financial circumstances: it’s made to support you in adopting green initiatives and technology. As with any of our loans, there is a focus on flexibility, competitive rates and an easy online application process so you receive your funds within 24 hours after approval.

The features and benefits of going green

A green loan from Handy Finance helps you invest thoughtfully in a sustainable future. We understand that the cost of adopting greener technologies can be a barrier for many, which is why our green loans come with competitive rates and flexible terms. Our experts will create the best terms for your financial circumstances: you can choose between one and ten years for your loan term, and benefit from $0 monthly fees and $0 early repayment fees. Our Handy Finance Green Loans have a fixed interest rate, too, so repayments will be consistent at all stages of your payment schedule.

When you apply for a green loan, you can complete your application online, finding the result in minutes. You’ll gain access to funds within 24 hours of your application approval, which can be incredibly helpful if you need funds for time-sensitive green purchases. Big or small – we offer green loans between $2,001 and $75,000 – your loan is there to help you fulfil your goal of green living.

AnimatedBlockPhoto
Solar hot water system
Green home loans
Green loans for solar panels
New double-glazed windows

Take to the road with Handy Finance

Enjoy your new set of wheels with a secured car loan from Handy Finance. Whether it’s your first car or time for an upgrade, our low-interest secured car loans can help you secure your dream vehicle today.

Get Started(Opens in a new tab)

A quote won’t impact your credit score

Frequently Asked Questions

Loan Terms and Conditions

Secured car loans can have a lower interest rate. By providing your car as security for the loan, lenders will face less risk if you cannot make your repayments. This may lead to a more competitive interest rate being offered.

At Handy Finance, we have a $0 early repayment fee on all our loans, including our secured car loans. You can pay off your secured car loan early without incurring extra fees.

You can always sell a car. If you sell a car and the sum you receive doesn’t cover the loan in full, contact us. We can help you to refinance the loan so that you can continue to pay it off in instalments that meet your new financial situation.

You can! At Handy Finance, we can help you refinance your secured car loan, even if it was taken out with another lender. Give our loan experts a call today to find out more information on how refinancing works.

With a secured car loan from Handy Finance, you can borrow between $2,001 and $75,000. The final amount you borrow will be based on your financial circumstances: your credit score, income and the cost of the car you want to purchase.

At Handy Finance, we offer pre-approval for secured car loans. Pre-approval can help you get a better idea of how much you can borrow before you start car shopping. You can easily apply for pre-approval – just submit all the relevant documentation online. Once received, our loan experts will review your financial situation and share an indicative sum with you. Pre-approval with Handy Finance lasts for one month. Once this has passed, our credit experts will need to reassess your application to see if your financial circumstances have changed.

There are no vehicle age limits on the car you can purchase with a secured car loan from Handy Finance. There are no restrictions on the make or model you want to buy either.

You can purchase other motorised vehicles with your secured car loan, however one of our other loan products may be more suitable. At Handy Finance, we offer a range of other secured vehicle loans, including motorcycle loans and caravan loans. Contact our team today to discuss the right option for you.

Loan Application and Approval

To be eligible for a secured car loan with Handy Finance, you need to be at least 18 years of age, an Australian citizen or permanent resident and have a regular source of income from employment (including self-employment). You must also have no outstanding or unpaid defaults with other lenders, and you must have no history of bankruptcy or be a party to a current court judgment.

When you apply for a secured car loan with Handy Finance, you’ll need to provide documentation that verifies your identity and gives our loan experts an indication of your financial circumstances. This includes documents like your driver’s licence and bank statements.

You can! At Handy Finance, one of the eligibility criteria you must meet before applying for a personal loan is being currently employed. This includes self-employment. You will need to provide bank statements to support your application.

Fast, flexible finance is our motto at Handy Finance. Applying for a secured car loan online only takes a few minutes, and you’ll have an indicative decision soon after. Once your application has been approved, the final funds will be released into your account within 24 hours.

You can use the Handy Finance Car Loan Calculator to get a more complete picture of your buying power. By plugging in essential information – such as loan amount, loan term, repayment frequency and credit rating – the calculator can show you an estimated repayment sum, interest rate and comparison rate. While this information is only an estimate, it can prove helpful in deciding budget and what to request in your final loan application.

For a more precise figure, you can also receive a personalised quote by filling out the application form online and submitting it along with your ID and bank statements. Your personalised quote is based on the information you provide to our credit team, so it can be considered more accurate than using the car loan calculator.

Financial Implications and Obligations

Yes, if you can’t make your repayments on time, this will be noted on your credit report. If you are not able to make your regular payments, contact the Handy Finance team as soon as possible, to see how we can work together towards a solution for you.

You can! At Handy Finance, we have a $0 early repayment fee, so you are free to pay off your loan early if your circumstances allow. We understand that financial situations can change – that is why we also allow you to adjust the frequency of your repayments as needed. Get in touch with our loan team to update your repayment schedule.

Question icon

Have questions? Handy Finance can help

For more information about loans with Handy Finance, check out our helpful resources, get in contact with our team on 1300 990 115 or complete our online enquiry form.

Ready to start with sustainability? Get your green loan rate today

Get started(Opens in a new tab)

A quote won’t impact your credit score