You can apply directly on the Handy Finance website. Our online application form makes the process simple. Once submitted, your application will be reviewed, and you will be notified of the outcome.

There are strict eligibility criteria that you need to meet in order to 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.

It’s easy to apply for a loan from Handy Finance. You’ll need to submit proof of identity (passport or driver’s license) and recent bank statements.

At Handy Finance, we are required to verify your income and expenses 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 to assess your application. Neither Handy Finance nor Illion can make transactions on your accounts. 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 compared to unsecured loans.

You can apply for a loan with Handy Finance between $2,001 and $75,000, or up to $100,000 for home improvement projects and motor vehicles. The amount you can access will depend on your income, credit score, and financial needs.

Before approving anyone for a loan, we need assess 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 income. 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.

Handypay offers interest rates based several factors including personal credit history and financial situation. You can find your personalised indicative 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.

After you submit your loan application, it will be reviewed promptly. You may receive an indicative decision within minutes, and once approved, the funds can be settled within 24 hours.