If you need to finance a major expense, our money loans can help. Submit your application online, including proof of identity and three months’ worth of bank statements via the Illion Bank Statement Service. Once your application is assessed, you’ll be offered a loan amount, fixed interest rate, and repayment term. All Handy Finance loans have a fixed interest rate, so your repayments remain the same over the life of the loan. Funds can be settled within 24 hours of approval, with repayments split into manageable instalments.

Handy Finance offers a range of money loans to help with life’s big expenses. Choose from secured car loans, home renovation loans, debt consolidation loans, green loans, and more. Whether you’re looking for a new car, planning a wedding, funding a dream holiday, upgrading your home, or consolidating debts, our flexible loan options can help you access the funds you need. Apply online today to see what loan options are available for your goals.

The eligibility criteria for any of our money loans is the same. You must meet these 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.

When you submit a loan application, you can receive a personalised indicative quote within minutes. Once your loan is approved, the funds can be settled into your account within 24 hours.

You can use our personal loan calculator to estimate the interest rate you may receive. It helps you see how different factors – like loan amount, loan term, credit rating, and repayment frequency (weekly, fortnightly, or monthly) – can affect your repayments. Simply enter these details, and the calculator will provide an estimated interest rate and repayment amount for your loan.

To receive a personalised quote, you can apply online using our application form. Once submitted, your indicative quote will be available within minutes. There’s no obligation, and requesting a quote won’t impact your credit score.

With Handy Finance, there can be a one-off establishment fee which covers the administrative costs of processing your application, but no monthly account-keeping or early repayment fees.

You can repay your loan in manageable weekly, fortnightly, or monthly instalments. With a Handy Finance loan, you can choose the repayment frequency that best suits your income. All Handy Finance loans also have a fixed interest rate, so your repayments remain consistent over the loan term, rather than changing with market fluctuations.

Before applying for a money loan, it’s important to consider your financial situation and repayment capacity. Think about how much you need to borrow, what you will use the funds for, and how much you can comfortably repay each week, fortnight, or month. Review your income, expenses, and any existing debts to ensure you can manage repayments without strain.

It’s also helpful to compare loan amounts, interest rates, and loan terms to find an option that suits your budget. You can use the Handy Finance loan calculator to see how different loan amounts and loan terms might affect your repayments. Remember that Handy Finance loans have a fixed interest rate, which keeps repayments consistent over the loan term. Finally, be prepared to provide proof of identity and recent bank statements, as these help assess your eligibility and allow you to receive a personalised indicative quote.

Handy Finance Wedding Loans prioritise flexibility, as we know circumstances can change. That’s why we have a $0 early repayment fee. If you’re in a position to make extra repayments or pay out your money loan entirely, you won’t be penalised for this.

If you are experiencing financial hardship and have difficulty meeting your repayments, please contact the Handy Finance team on 1300 990 115 or [email protected]. We can work with you to find a solution that suits your situation.