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Finance to approved applicants by OurMoneyMarket Lending Pty Ltd ABN 64 605 231 669 Australian Credit Licence 488228 and member of the Australian Financial Complaints Authority (AFCA) trading as ‘Handy Finance’ and ‘Handypay’. All applications are subject to credit assessment, eligibility criteria, and responsible lending requirements. Fees, charges, and terms and conditions apply. A one-off establishment fee between 0% and 6% of the loan amount will be applied based on your credit score. This will be included in your loan repayments.

Interest rates range from 6.57% p.a. to 18.99% p.a. (Comparison Rate: 7.51% p.a. to 21.78% p.a.) and are offered based on credit assessment according to our scorecard. Comparison rate of 7.51% p.a. is based on an unsecured personal loan of $30,000 over 60 months. WARNING: The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Example Loan - A personal loan of $30,000 borrowed for 60 months, with a fixed rate of 6.57% p.a. (comparison rate 7.51%), means the total amount a borrower with an excellent credit history would expect to repay would be $36,071.87 (made up of $30,000 principal, interest of $5,396.87 and a $675 establishment fee).

Important information about the representative rate: Generally, at least half of our approved customers will receive the representative rate or lower. Your interest rate may be different and is based on a number of factors, including your credit history, the information you provide to us and our assessment of your application. We will confirm your interest rate upon review of your application.

Information provided should not be taken as financial product advice and has been prepared as general information only without consideration for your particular objectives, financial circumstances, or needs. By accessing or using any part of this website you agree to be bound by our Terms and Conditions and Privacy Policy.

OurMoneyMarket recently rebranded to Handy Finance and, whilst this gives us a shiny new look, all the people, products, and services within our business remain the same. The awards listed on this site were presented to OurMoneyMarket before we changed our name and are used here with permission from the lovely people that gave them to us.