Money Loans

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

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.