Easy Loans

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 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 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.