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4X4 PAYMENT PLAN

Equip your 4×4 with the gear you need

Get the 4×4 essentials you’ve been eyeing and pay over time with Handypay. Enjoy flexible payment plans that work for you.

Interest rate from

6.57

%

p.a.*

Comparison rate

7.51

%

p.a.*

Generally at least half of our approved customers will receive the representative rate or lower.
Representative rate: 9.99% p.a.*
Representative Comparison rate: 11.94% p.a.*
Get started
Award Award
Award Award
Award Award Award
OurMoneyMarket recently rebranded to Handy Finance. While we have a fresh new look, all the people, products, and services remain the same. The awards listed were presented to OurMoneyMarket before the rebrand and are used here with permission.

Transform your 4×4 with flexible payment options

Handypay’s 4×4 payment plans make it easy to upgrade your vehicle without the upfront cost. Spread the payments over time and manage your budget with flexible options, suitable for parts and accessories.

Feature

Payment Plan Amounts

$2,001 - $75,000

No Monthly Fees

$0

No Early Repayment Fees

$0

Flexible Terms

1 - 7 years

Award Award
Award Award
Award Award Award
OurMoneyMarket recently rebranded to Handy Finance. While we have a fresh new look, all the people, products, and services remain the same. The awards listed were presented to OurMoneyMarket before the rebrand and are used here with permission.
The process

3 quick and easy steps to securing your payment plan

Step 1

Get a free quote

Obtain an indicative quote in minutes, without impacting your credit score!

Step 2

Apply in Minutes

If you're happy with your quote, you can finalise the application online in minutes.

Step 3

Get Your Funds

You can get an indicative decision in minutes. Once approved, funds can be settled within 24 hours.

Apply

A quote won't impact your credit score

Loan Calculator

4×4 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

Week
Fortnight
Month

My credit rating is

  • Excellent
  • Very good
  • Good
  • Average
  • Below Average
Calculator icon

Estimated weekly repayments from

$

including interest and fees

Apply now
Total estimated interest and fees payable -- info icon 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.

4x4_bubble
Upgrade your ride
Essential 4×4 gear
Build your 4×4 your way
Flexible financing

Upgrade your 4×4 with easy payment options

Want to upgrade your vehicle for weekend getaways or off-road adventures? Handypay makes it easy with simple finance options. Break down your purchase into easy-to-manage payments and hit the trails without breaking the bank.

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A quote won’t impact your credit score.

Taking the stress out of finance

Read what our happy customers are saying about us

Quick and Easy

Quick and easy, completed the application online last night and first thing this morning I have a call to go over the application and documents with me in minutes. Great service! Fast and efficient
Benjamin
productreview.com.au

Excellent customer service

Jake was fantastic, making sure I was aware of all of the T's and C's. Happy to go back over anything I had questions about. The entire process was so easy and straightforward, I don't know what I was so stressed about. Thanks so much for your help!!!
Jessica L.
productreview.com.au

Unbelievably fast and thorough

The team is so fast at responding to questions and inquiries I was blown away. Turn around for finance approval was in a matter of hours, and the representatives took care in explaining the fine details of the terms to satisfaction.
Annie Masumoto
productreview.com.au
Handy Guide

What to expect from 4x4 finance

Thinking about upgrading your rig but don’t want to pay for it all upfront? This section walks you through how 4×4 finance with Handypay works – from applying and getting approved to enjoying your new upgrades.

Handy Guide

How 4x4 payment plans work

Outfitting your 4×4 can get pricey fast, but you don’t have to pay everything upfront. With Handypay, you have different payment options to suit your budget. You can set up weekly, fortnightly, or monthly repayments.

If you’re planning a bigger job, such as a suspension overhaul or canopy fit-out, you can spread the cost over time. There are longer-term finance options available too, with terms of up to seven years, so you can avoid paying large sums upfront.

Eligibility criteria:

  • Be at least 18 years of age

  • Be an Australian citizen or hold permanent residency

  • Show proof of income and valid ID

Application process:

Applying with Handypay is straightforward – here’s how it works:

  1. Select your 4×4 parts or accessories from a retailer of your choice.

  2. Choose your preferred Handypay payment plan.

  3. Complete your online application and you can receive conditional approval in minutes.

What are the different payment plans available?

When it comes to 4×4 accessories finance, Handypay offers flexible payment plans to suit all kinds of upgrades, from smaller add-ons to full fit-outs.

Payment plan terms range from 1 to 7 years, so you can pick what works for you based on the size of the job and your budget. Whether you’re adding a few accessories or looking at bigger upgrades like suspension kits, you can choose a term that suits your needs.

Repayments are flexible, too. You can choose between weekly, fortnightly, or monthly instalments depending on what fits your budget.

The advantages of 4x4 finance

With Handypay’s 4×4 payment plans, you can get the upgrades and accessories you need now, without having to cover the full cost upfront. It’s a simple way to spread out your payments over time, so you’re not emptying your bank account all at once. As long as you stick to your repayment schedule, it’s a hassle-free way to manage the cost of your build without putting it off.

Plus, you get flexible repayment terms, meaning you can choose to pay weekly, fortnightly, or monthly. These plans make larger purchases more manageable by breaking them down into smaller repayments. The 100% online application process means you can get conditional approval in minutes and your funds can be settled within 24 hours after approval.

How do I apply for 4x4 finance?

Applying for your 4×4 payment plan is simple and straightforward:

  1. Select your accessories – choose the 4×4 upgrades you want, from bull bars to suspension kits to winches.

  2. Submit your application – complete the quick online application with a valid ID ready.

  3. Receive conditional approval – eligible applicants can receive approval in minutes with funds settled within 24 hours after approval.

  4. Choose your repayment frequency – select weekly, fortnightly, or monthly repayment amounts that work with your budget.

 

Frequently asked questions

Need help with something? Here are our most frequently asked questions.

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 to make finances less daunting and allow people to live life to the fullest.

A fixed-rate payment plan means that your interest rate will remain the same throughout your term. Fixed-rate payment 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 plan. Handypay only offers fixed-rate 4×4 payment plans.

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.

With Handypay, you can spread out your repayments for up to seven years with options to pay weekly, fortnightly, or monthly depending on your income.

Repayments are simple and flexible. You can choose to pay weekly, fortnightly, or monthly via direct debit. 

If you’re facing financial difficulties, our friendly team is here to help – just contact us at [email protected].

With Handypay’s 4×4 payment plans, you can borrow anywhere between $2,001 and $75,000, with your approved amount depending on your income, credit history, and borrowing needs.

View more FAQs
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Have questions? Handypay can help

For more information about payment plans with Handypay, check out our helpful resources, get in contact with our team on 1300 990 115 or complete our online enquiry form.

FAQs
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A quote won’t impact your credit score

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