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Easy and simple online loan application with Handy Finance

We’ve developed a quick loan application process: complete our online form and submit the relevant documents. Our credit experts will provide you with an indicative result within minutes. At Handy Finance, we want to make it as simple as possible for you to access the funds you need.

$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

Easy loan calculator

Estimate what your easy loan repayments could look like so that you can start your borrowing journey 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.
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Easy loans to make your dreams a reality

Consolidate debt, take care of home renovations or finally invest in a new car. Our loans make it easy for you to turn your dreams into a reality.

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A quote won’t impact your credit score

Handy Guide

Get the funds you need, when you need them

Handy Guide

What type of easy loans can I apply for?

At Handy Finance, we’ve made applying for loans easy. You can apply for a loan with us online, and our credit team will review your application and provide an indicative decision within minutes. 

You can apply for all Handy Finance loans online, including: 

  • Car loans
  • Home renovation loans
  • Debt consolidation loans
  • Caravan loans
  • Motorcycle loans
  • Boat loans
  • Green loans
  • Holiday or travel loans
  • Wedding loans
  • Medical and dental loans
  • Joint loans

With a Handy Finance loan, you can borrow between $2,001 and $75,000, with flexible loan terms of one to seven years. This increases to ten years if you secure a green loan with Handy Finance. 

All our easy loans offer a competitive, fixed interest rate. This means that the interest rate is set when your loan application is approved and won’t change based on market factors. Your repayments are set over the time of your loan, allowing you to budget accurately. We tailor your final loan offer to align with your financial situation, making loan management easy. You can repay your loan in weekly, fortnightly or monthly instalments. 

How do easy loans work?

All Handy Finance loans – from car and caravan loans to debt consolidation and joint loans – work the same. Depending on what you need the loan for, you can find a loan option specifically designed to offer the best terms. You don’t need to pay a deposit, and there is only one fee you will need to pay – the establishment fee. We aim to make our loans as flexible and fair as possible. This is why we don’t charge an early repayment fee: if your situation changes and you can pay off your loan early, let our team know. Similarly, if you find you may not be able to make your scheduled repayments, call our credit experts immediately. We can help you work out a plan that works for everyone.

How to get an easy loan: eligibility criteria

There are strict eligibility criteria that you must meet before you can apply for a loan. When you apply, you will need to submit documentation (such as official ID and bank statements) that help to prove the following: 

  • You are 18 years of age or older
  • You are an Australian citizen or permanent resident
  • You are currently employed (including self-employed)
  • You do not have a history of bankruptcy or be party to a court judgment
  • You do not have outstanding or unpaid defaults

Our credit experts will review your application and approve your loan based on these criteria.

Know the rate that works for you: the Handy Finance Easy Loan Calculator

Your final loan terms are dependent on your financial situation. If you haven’t applied for a loan before, you may be wondering what loan terms you might be approved for. The easiest way to get a clear understanding of what your borrowing power is, use our easy loan calculator. 

This calculator has been designed to give you an idea of your interest rates and repayments once you are approved for a loan. You’ll need to enter the following details into the Handy Finance Loan Calculator: the loan amount, the loan term, your credit rating, and your repayment frequency. Based on these details, the calculator will give you an estimated interest rate and repayment sum. You can use the indicative details to set a budget or test how a different credit rating or repayment schedule may impact your future financial situation. 

The loan calculator is just a planning tool. You can also apply for a free quote from the Handy Finance credit team. The process is easy: apply for a free quote online using our application form. Our credit team will provide a quote within a few minutes for you to review. If you’re happy with the quote details, it’s easy to complete your application for the loan online – just submit your documentation for review by our credit team.

Fast application and approval

At Handy Finance, we pride ourselves on providing fast and flexible financing in Australia. Timeliness can be vital to securing the best deal when shopping for a car, holiday accommodation, wedding venue or other significant cost. 

Our personal loans are easy to apply for. The streamlined review process means our credit experts will have an indicative result out to you within minutes. Once approved, your funds will arrive in your nominated account within 24 hours.

Frequently Asked Questions

Right here on the Handy Finance website! We have worked hard to make our loan application process as easy as possible. You can apply online via our application form. Your form will be submitted to our credit experts, who will review your application and advise you of the outcome.

There are strict eligibility criteria that you need to meet before you can apply for a loan. You must be 18 or older, be an Australian citizen (or permanent resident), be employed or self-employed, and not have a history of bankruptcy or any outstanding defaults. If you have questions about your eligibility, call the Handy Finance team. Our credit experts will be able to answer any questions relating to an easy loan application.

It’s easy to apply for a loan from Handy Finance. Firstly, make sure your documentation is in order – you will want copies of your official ID (passport of license) and bank statements.

At Handy Finance, we are required to verify your expenses and income before approving any applications. We do this through the Illion Bank Statement service. You can submit your bank statements via this secure service, which will allow Handy Finance to access three months of bank statements that will be used to finalise your loan. Neither we nor Illion will be able to make transactions on your accounts. You can opt to upload your bank statements manually, but this will increase the processing time for your application. Find out more at www.bankstatements.com.au.

You can take out a secured or unsecured personal loan with Handy Finance. You can choose secured or unsecured options for most of the personal loans we offer –  except for our vehicle loans. We only offer secured car loans. When you take out a secured car, caravan, motorcycle or boat loan, the vehicle you plan to purchase will act as security against the loan – this means we, as your loan provider, have a safety net if you cannot make your repayments. This can lead to more competitive rates and terms for secured loans than their unsecured counterparts.

Our credit experts offer loan terms tailored to your financial situation to make loan repayments as easy and smooth as possible. You can choose to repay your loan in monthly, fortnightly or weekly payments, depending on which fits into your financial schedule best.

You can apply to borrow between $2,001 and $75,000 with Handy Finance. The final loan amount you are approved for will be based on your financial situation and application.

Before approving anyone for a loan, we need access to their application and to learn more about their current financial situation. The best way to understand your borrowing power is to use the Handy Finance Loan Calculator or apply for a free quote. You can apply for a free quote online.

Your final interest rate, fees associated with the loan and repayment frequency will determine your final repayments. Your repayments are the final loan amount plus the fixed interest rate, split over the final loan term. You can choose your repayment schedule. Opt to make your repayments each week, fortnight or month as fits your budget. You can use our personal loan calculator to see an estimate of what your loan repayments may be and the total amount of interest you are likely to pay.

The interest rate on your loan will be based on your financial situation and credit score. We aim to offer low, competitive interest rates on all Handy Finance loans. Interest rates are fixed on all our loans.

Once you’ve applied for a loan, our credit experts will review your application. You’ll be notified of an indicative decision within minutes. Once approved, the final funds will be sent to your nominated bank account within 24 hours.

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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.

Unlock possibilities with Handy Finance easy loans

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