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Turn maybe someday into today

  • Purchase now, pay later
  • Flexible, affordable payment plans.
  • Take control of your finances with Handypay. Pay off your purchase at a pace that suits you.
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A quote won’t impact your credit score

How it works

Handypay – keep money simple with a payment plan tailored to you.

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You apply

Easily apply online for a payment plan with Handypay.

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We pay

Access funds as soon as the next day, and we pay the vendor.

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You enjoy

Benefit from flexible repayments to get what you need today.

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It’s fast & easy

Finance conditionally approved in minutes

A simple, affordable, payment plan solution that enables you to turn your dreams into reality today and pay over time – now that’s handy!

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    Amounts up to $100,000
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    No early exit and no early repayment fees
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A quote won’t impact your credit score

Simple, flexible, low-rate payment plans

HomeImprovement
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Home Renovation

  • Home interior/exterior
  • Bathroom renovations
  • Kitchen renovations
  • Pergolas
  • Patios
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Pools and Spas

  • Above ground pools
  • Fibreglass pools
  • Concrete pools
  • Saunas
  • Spas
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Eco Friendly

  • Double-glazed windows
  • Eco-friendly tiny homes
  • Solar hot water systems
  • Batteries
  • Solar
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Health

  • Medical treatment
  • Cosmetic surgery
  • Dental treatment
  • Hair transplant
  • IVF
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Education

  • Professional development
  • Postgraduate courses
  • Private tuition fees
  • Private school fees
  • Diplomas
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Other

  • Debt consolidation
  • Holiday and travel
  • Wedding loans
  • Joint loans
  • Car loans

Handypay payment plan calculator

Calculator
Calculator
$30000
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 Money Bag Money Bag
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.

Are you a business?

Handypay offers solutions to enhance your business.

Use the button below to contact our team and one of us will get straight back to you!

Frequently asked questions

Need help with something? Here are our most 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 plans 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 payment plan.

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 Handypay payment plans 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 Handypay team on 1300 990 115 or [email protected]

Payment plans from Handypay range between $2,001 and $75,000, with up to $100,000 available for home improvement projects and motor vehicles, depending on how much you need, your income, and your credit rating.

Taking the stress out of finance

Read what our happy customers are saying about us

Quick and Easy

This was really impressive. The whole process took around 30 minutes - Nathan was awesome - and I received confirmation I was approved within 10 minutes of completing the application. Great service. The banks are in trouble.
George G.
Trustpilot.com

Straightforward Application

Straightforward application, friendly staff, plain language regarding loan rules and most importantly... I got the loan I required! Thanks Jake and Jyonali!
Jamie B.
Trustpilot.com

Smooth Sailing

Thank you for such a smooth process. Jake gave me clear and concise information in regards to the needs to fulfil my application and prompt answers. He was a pleasure to deal with. I will be recommending to family if they ever need finance.
Kelly O.
Trustpilot.com