Small payments for big ideas
Turn your big idea into reality with Handypay’s flexible, affordable payment plans
Interest rate from
6.57
%
p.a.*
Comparison rate
7.51
%
p.a.*
How it works
Handypay – keep money simple with a payment plan tailored to you.
You apply
Easily apply online for a payment plan with Handypay.
We pay
Access funds as soon as the next day, and we can pay the vendor.
You enjoy
Benefit from flexible repayments to get what you need today.
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!
-
Amounts up to $100,000 -
From 1-7 year payment plan terms
-
No early exit and no early repayment fees
A quote won’t impact your credit score
Simple, flexible, low-rate payment plans
Home Renovation
- Home interior/exterior
- Bathroom renovations
- Kitchen renovations
- Pergolas
- Patios
Pools and Spas
- Above ground pools
- Fibreglass pools
- Concrete pools
- Saunas
- Spas
Eco-Friendly
- Sustainable home improvements
- Energy efficiency upgrades
- Off-grid solar systems
- Solar batteries
- Solar panels
Health
- Medical treatment
- Cosmetic surgery
- Dental treatment
- Hair transplant
- IVF
Education
- Professional development
- Postgraduate courses
- Private tuition fees
- Private school fees
- Diplomas
Other
- Debt consolidation
- Holiday and travel
- Wedding loans
- Joint loans
- Car loans
Handypay payment plan calculator
Get a quick estimate of what your repayments could look like
I'd like to borrow
$30,000
Over a period of
4 years
With repayments every
Estimated weekly repayments from
$
including interest and fees
Loan amount --
Total estimated interest and fees --
Principal plus interest and fees --
A quote won’t impact your credit score
Interest rate from
6.57 % p.a*
Comparison rate
7.51 % p.a*
Interest rate from
6.57
%
p.a.*
Comparison rate
7.51
%
p.a.*
The interest rate and repayment amount are estimates only, 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 payment plans can boost your sales.
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.
What does a fixed-rate plan mean?
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.
What will my interest rate look like?
Handypay offers interest rate based on the personal credit history and financial situation of applicants. You can find your indicative personalised rate in just a few minutes with a free quote via our online application form. Please note that this rate is just an estimate, and it won’t affect your credit score.
How do you offer lower rates than traditional lenders?
Traditional bank lenders tend to have higher operating costs, which can result in higher rates. Handypay aims to keep rates low by keeping operating costs down and remaining focused on our mission – allowing people to live life to the fullest.
How long will my repayments last?
With Handypay, you can repay for up to seven years or up to ten years with a Green Loan. Repayments are made weekly, fortnightly or monthly depending on your pay cycle. You can also estimate how different loan amounts and terms may affect your repayments using our payment plan calculator.
How do repayments work?
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]
How much money can I borrow?
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, your credit rating, and Handypay’s credit scorecard.
Taking the stress out of finance
Read what our happy customers are saying about us
Quick and Easy
Straightforward Application
Smooth Sailing
Make your next big idea a reality
With Handypay, you can take out payment plans to cover:
