Yes, Handy Finance provides the convenience of applying for personal loans online. You can easily fill out an application form on our website.

Personal loans from $2,001 to $100,000 are available for home improvement projects and motor vehicles, and up to $75,000 for other purposes when you apply online with Handy Finance.

You can apply for car loans, debt consolidation loans, home improvement loans, loans for medical and dental expenses and much more. At Handy Finance, we offer a range of fast online loans that cover many of the significant expenses in life.

To apply for Handy Finance’s online loans, simply visit our website and complete the online application form. You must provide identification documents and recent bank statements to prove you meet the eligibility criteria. The eligibility criteria for our online loans are: 

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

We offer online loans with fixed interest rates. Your interest rate will remain the same throughout the loan term, providing you with predictable repayments. You can repay your loan in weekly, fortnightly or monthly instalments.

At Handy Finance, we offer a streamlined online application process, fast approvals, and flexible repayment options. We evaluate each application on a case-by-case basis, taking a comprehensive view of your financial situation and credit history. We make informed lending decisions based on more than just your credit score.

We aim to provide a transparent and user-friendly experience for our customers, avoiding hidden charges or surprises.

You can choose from a weekly, fortnightly, or monthly repayment schedule that best fits your income.

You can apply for a loan with Handy Finance between $2,001 and $75,000, or up to $100,000 for home improvement projects and motor vehicles. The final loan amount you are approved for will be determined by your income, credit history, and ability to repay. Handy Finance evaluates each application individually to determine the maximum loan amount you can apply for.

We cannot provide an approval decision before you submit your application, but there are several ways to get an idea of your borrowing power. Consider requesting a free credit score check from a credit bureau or agency. If you do this before applying, you can ensure everything’s on track with your score and take steps to improve it before submitting your application. There are three reputable agencies you can contact in Australia for a credit score check: Equifax, Experian and Illion. You can also use the Handy Finance Loan Calculator, which estimates the interest rate and repayments associated with your loan based on the inputs of credit score, loan amount and loan terms. Lastly, you can apply for a free quote with Handy Finance, which will provide you with an estimated personalised rate in a matter of minutes – this won’t impact your credit score, unlike applying for a loan. To apply for your quote, fill out our online application form. Any estimates provided do not constitute an offer or final approval of finance.

Your repayments will depend on the loan amount, interest rate, and loan term. Once your loan is approved, Handy Finance will provide a clear breakdown of your repayment schedule. You can repay your loan on a weekly, fortnightly or monthly basis.

The final interest rate you receive will depend on factors such as your creditworthiness and the type of loan you are applying for. We offer competitive rates on our selection of loans. All Handy Finance loans have a fixed interest rate.

Handy Finance aims to provide you with a decision on your online loan application as quickly as possible. You can receive an indicative quote within minutes. Once approved, we aim to have the final sum in your account within 24 hours.