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Easily apply for a money loan today

At Handy Finance, we’ve made the loan application process simple. Submit your application online in a few simple steps. Our credit team will review and get back to you with an indicative decision in minutes, with approved funds appearing in your bank account in 24 hours.

$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

Money loan calculator

Estimate what your money 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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Simple loans for money to fund life’s big purchases

Whether renovating your home, paying for a wedding, investing in green upgrades or consolidating your debt, our money loans are here to help. Choose Handy Finance for tailored, flexible money loan options today.

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A quote won’t impact your credit score

Handy Guide

Understanding money loans at Handy Finance

Handy Guide

Money loans from Handy Finance

At Handy Finance, we’ve created a range of loans to help with life’s important expenses. You might need fast access to funds to pay medical bills, upgrade your home with solar panels, consolidate your debt, secure your dream wedding venue, or purchase a new car or caravan. That’s why you can apply for all our money loans online via a simple application process. Our credit experts will review your application and send through an indicative interest rate and repayment sum within minutes. Once your loan application is approved, funds are released into your nominated account within 24 hours. 

We aim to get you the funds you need as quickly as possible. Our lower operating costs mean we can also offer more competitive, low-interest-rate loan options, leading to more manageable repayments and less financial stress. Apply for a money loan between $2,001 and $75,000, with terms of one to seven years (ten if applying for a green loan). 

For easy, flexible loans in Australia, look no further than Handy Finance. Find loans for the following today: 

Frequently Asked Questions

If you need fast access to cash for big expenses, our money loans are for you. Submit your application online, including ID documentation and three months’ worth of bank statements, from Illion Bank Statement Service. Our credit experts review your application before deciding on the final loan amount, interest rate and loan term to offer you. Remember, all Handy Finance loans have a fixed interest rate, so your repayments will be the same over the lifetime of the loan. You’ll receive the full sum within 24 hours of approval, but repayments will be split into manageable instalments.

We offer several types of personal money loans at Handy Finance, including secured car loans, home renovation loans, debt consolidation loans and green loans. Speak to our credit experts today to learn more about the best loan for your situation.

The eligibility criteria for any of our loans for money is the same. You must meet this criteria before applying for any of our loans:

  • Be 18 years of age or older
  • Be an Australian citizen or permanent resident
  • Be currently employed (this includes self-employed)
  • You must not have a history of bankruptcy or be party or a court judgment
  • You must not have outstanding or unpaid defaults

What documents do I need to apply for a money loan?

When you apply for a Handy Finance loan online, you must also submit identity documents, such as a passport or driver’s license. You must also submit three months’ bank statements via the Illion Bank Statement service. If you are applying for a car, boat, caravan or motorcycle loan, you may want to include documentation about the vehicle you intend to buy.

Our credit experts prioritise reviewing loan applications so we can get an indicative result out to you within minutes of your application. Once you receive approval, funds will arrive in your nominated bank account within 24 hours.

Use our personal loan calculator! This can help you determine how different factors in your application will affect interest rates and repayments. Input your loan amount, loan term, credit rating and repayment schedule (weekly, monthly or fortnightly) into the calculator. The money loan calculator will then generate an estimated interest rate and repayment sum based on those inputs. 

You can also use our personal loan calculator to estimate how your repayments may change if you increase or decrease their frequency.

You will only need to pay an establishment fee when you secure a loan from Handy Finance. Our loans have no monthly fees and a $0 early repayment fee.

You repay your loans in manageable weekly, fortnightly or monthly instalments. With a Handy Finance loan, you can choose the repayment frequency for your loan, increasing or decreasing as your financial situation allows. All Handy Finance loans have a fixed interest rate, too – so your repayments will remain the same over the loan term rather than adjust to meet market forces.

Before applying for a loan for money, consider your financial situation and the ongoing commitment to a loan. Use our personal loan calculator to see an estimate of what your regular repayments may be. Request a copy of your credit report, and check to see if any anomalies could affect your loan application and interest rate. Speak to one of our credit experts if you have any questions – at Handy Finance, we do our best to make our financing options fair and flexible so they don’t create extra financial stress.

There is a $0 early repayment fee on all Handy Finance loans. This means you can pay off your loan early without worrying about penalty payments.

This depends on how you manage your loan repayments. Making timely payments and repaying the loan in full to schedule will only benefit your credit score. Late payments or defaulting on your loan will harm your credit score and make it harder to borrow in the future.

If you cannot make your scheduled repayment, there are a number of ways our credit experts can help. Contact us as soon as you are concerned this may happen – we can work with you to find a solution that helps you get back on track.

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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.

Unlock possibilities with Handy Finance money loans

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A quote won’t impact your credit score