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Pay it off fast

Simplify your finances and clear your debts faster. Handy’s low-interest debt consolidation loan lets you bundle all your existing debts into easy repayments, so you can start saving and pay it all off in one.

$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

Debt consolidation loan calculator

A debt consolidation loan is all about simplifying your finances, and getting out of debt sooner. Estimate your repayments with our calculator.

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.
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Consolidate your debts into one
Credit card debt consolidation
Refinance to a lower rate and repayment
Clear your debts fast

Handy makes money simple

Take control of your finances and save on interest by combining your existing debts into one easy way to manage loan with Handy.

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A quote won’t impact your credit score

Frequently Asked Questions

Traditional bank lenders tend to have higher operating costs, resulting in higher rates. Handy keeps rates low by keeping operating costs down and remaining focused on our mission – allowing people to live life to the fullest.

Fixed-rate loans are completely transparent from day one – because the rate doesn’t change, you know exactly how much you will be repaying and how often, for the entirety of your loan.

Handy will offer you an interest rate based on your personal credit history and situation. You can find your personalised rate in just a few minutes with our free quote. Please note that this rate is just an estimate, and it won’t affect your credit score.

With Handy, you can repay for up to seven years. Repayments are made weekly, fortnightly or monthly.

Repayments on Handy loans can be made weekly, fortnightly or monthly. You must use direct debit for all scheduled repayments. To make repayments ahead of schedule, log into your borrower dashboard and do so using BPAY.

If financial hardship is making repayments difficult to meet, please contact the Handy team on 1300 990 115 or info@handy.co

Personal loans from Handy range between $2000 and $75,000, depending on how much you need, your income and your credit rating.

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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.

Simplify your finances. Get a great low rate debt consolidation loan today.

Get started(Opens in a new tab)

A quote won’t impact your credit score