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JointLoans

Loans are easier together

If you’re looking to split the cost of a car, invest in your home or anything in between, Handy’s low-rate joint loans are made for you. Access the funds you need today, and advance your goals together with Handy.

$2-75k Loan Amounts

$0 Monthly Fees

$0 Early Repayment Fees

1-7 yrs Flexible Loan Terms

The Process

3 quick and easy steps to securing your loan

Get a Free Quote

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

Apply in Minutes

If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.

Get Your Funds

You will receive an indicative decision in seconds. Once approved funds should be in your account within 24 hours

Get a quote
Get a Free Quote icon
Get a Free Quote icon
Get a Free Quote icon

Get a Free Quote

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

Review
Apply in Minutes icon
Apply in Minutes icon
Apply in Minutes icon

Apply in Minutes

If you’re happy with your Quick Quote, you can finalise the application online. No printing. No paper. No fuss.

Get funds
Get Your Funds icon
Get Your Funds icon
Get Your Funds icon

Get Your Funds

You will receive an indicative decision in seconds. Once approved funds should be in your account within 24 hours

Joint loan calculator

Estimate what your joint loan repayments could look like so that you can start your borrowing journey with complete transparency.

Calculator
Calculator
$25000
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
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.
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Joint debt consolidation loan
Share the loan
Turn goals into reality
Go further together

Joint loans for shared plans

Any road is better walked with good company. Handy’s joint loans allow you to take on your next big adventure together.

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A quote won’t impact your credit score

Frequently Asked Questions

Joint Loan Specifics

No, if you are approved for a joint loan with Handy Finance, you and your co-borrower are responsible for the entire loan. If one of you can’t make repayments, the other will have to cover or you’ll risk defaulting. This is why it is important to carefully consider your co-borrower before applying for a joint loan.

You can apply for a joint loan with your de-facto partner, spouse, parent, sibling, or other family member, as long as you reside at the same address and both borrowers benefit from the loan. It is always important to carefully consider who your co-borrower is, and you’ll want to make sure you are both open and transparent about your current financial situation before submitting any joint loan applications.

Handy Finance Joint Loans range between $2,001 and $75,000. The final sum you will be approved to borrow depends on how much you need, your joint income and your individual credit ratings.

The repayment terms of a joint personal loan from Handy Finance are the same as our other personal loans. You can repay your joint loan over one to seven years (or to 10 years if it’s our green loan) in weekly, fortnightly or monthly instalments – you can contact our loan team to adjust the frequency of these payments too if your financial circumstances change while repaying your loan. Handy Finance Joint Loans also have a $0 repayment fee, so if you are able to repay your loan early, you won’t need to worry about any additional costs. 

You can use Handy Finance’s Loan Calculator to get an idea of what your repayments might be.

Both you and your partner will remain responsible for repaying your Handy Finance Joint Loan in the event of a breakup. It is also possible to refinance the joint loan to sit under one person’s name which might be a solution you and your partner look into. If you have any further questions about what happens to your joint loan if you break up, give one of our loan experts a call today to find out more information.

A Handy Finance Joint Loan allows for two people on the loan application. The person joining you to apply for the loan doesn’t have to be a partner or spouse – they can also be a family member, as long as you reside at the same address.

You can apply for a Handy Finance Joint Loan online. We’ve streamlined the process to make it as easy and simple as possible. Submitting your application will only take a few minutes, and you’ll receive an indicative quote soon after.

Applying for a joint personal loan from Handy Finance is easy – the application process can be done online. Make sure you’ve gathered together all the relevant documentation you need – ID, bank statements. You’ll receive an indicative quote for your joint loans within minutes of applying. Once your joint loan has been approved, you and your co-borrower can receive funds into a nominated account within 24 hours.

They can be – when you apply for a joint loan with Handy Finance, our loan experts will evaluate your financial situation and that of your co-borrower. If one of you is in a weaker position, the stronger position of the other could get you over the line. Things like your individual credit histories and combined income are also looked up favourably.

Credit and Application Assessment

The criteria you need to meet for a Handy Finance Joint Loan are the same as any of our other personal loans. Both applicants for the loan must meet this criteria.

To apply for a joint personal loan, you and your co-borrower must be at least 18 years of age, an Australian citizen or permanent resident, and employed (or self-employed) with regular income. It is also important that neither of you have a history of bankruptcy or financial hardship with other loan providers.

Yes, we do! You can apply for pre-approval for your joint loan online. A major benefit of pre-approval is that it gives you and your co-borrower a clear indication of what your buying power is. It can help you purchase with a budget in mind.

Interest and Loan Terms

A comparison rate helps you have a clearer picture of the final price tag on your loan. It includes the interest rate plus any fees and charges. It makes it easier to compare different loans as it shows the actual costs. Our loans only have an establishment fee – as long as your repayments are made on time, there won’t be any additional fees added to the loan. 

A fixed-rate loan means that your interest rate will remain the same throughout your loan term. Fixed-rate loans 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 loan. Handy Finance only offers fixed-rate joint loans.

Handy Finance will offer you an interest rate based on your personal credit history and situation and that of your co-borrower. 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.

Traditional bank lenders tend to have higher operating costs, resulting in higher rates. Handy Finance keeps rates low by keeping operating costs down and remaining focused on our mission – allowing people to live life to the fullest.

With Handy Finance, you can repay for up to seven years, or 10 when applying for a green loan. Repayments are made weekly, fortnightly or monthly.

Repayments on Handy Finance loans 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 using BPAY.

If financial hardship is making repayments difficult to meet, please contact the Handy Finance team at 1300 990 115 or info@handyfinance.com.au.

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Have questions? Handy Finance can help

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

Joint loans from Handy make anything possible – get a rate today

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A quote won’t impact your credit score