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Simple, fast and flexible online loans

Applying for a loan online is simple. At Handy Finance, we’ve developed a loan application process that is seamless, making it easy for you to apply and allowing our credit experts to get back to you with an indicative result as soon as possible. Access the funds you need today with Handy Finance!

$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

Online loan calculator

Estimate what your online 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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Online loans to make your dreams a reality

Ready to make your dream purchase a reality? Take care of home renovations, car purchases, dream holidays and more with an online loan from Handy Finance.

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A quote won’t impact your credit score

Handy Guide

Online Loans Explored

Handy Guide

What is an online loan

Handy Finance has a personal loan to suit whether you’re after a debt consolidation loan, looking to cover the cost of a new car or caravan, secure funds for your dream wedding, or invest in solar panels or other home improvements. All our personal loans are available online via a simple application process that prioritises processing and approving your loan.

Once you’ve submitted your online loan application, our credit experts will send through an indicative result within minutes. Once approved, funds will be released into your bank account within 24 hours. 

As an online loan provider, Handy Finance can be flexible and fast when getting you the funds you need as quickly as possible. Our lower overhead costs mean more competitive low-interest rate loan options for you. You can apply for online loans between $2,001 and $75,000 with Handy Finance, with terms of between one and seven years (ten if taking out a green loan). 

Searching for easy online loans in Australia? Look no further than Handy Finance’s range of personal loans. Find financing for the following today:

  • Car loans
  • Home renovation loans
  • Debt consolidation loans
  • Caravan loans
  • Motorcycle loans
  • Boat loans
  • Green loans
  • Holiday or travel loans
  • Wedding loans
  • Medical and dental loans
  • Joint loans

Frequently Asked Questions

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

You can borrow between $2,001 and $75,000 when you apply for an online loan with Handy Finance. Your approved amount will depend on your application and financial situation.

You can apply for car loans, debt consolidation loans, green 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 all online loans in Australia 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 take pride in our streamlined online application process, fast approvals, and flexible repayment options. Our credit experts review your application and provide tailored loan terms specific to your financial situation. 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 won’t find any early exit fees here, giving you the flexibility to repay loans in full without additional costs. This flexibility extends to your regular repayment options. You can choose from a weekly, fortnightly or monthly repayment schedule that best fits your financial circumstances.

Our dedicated and supportive team is always here to help. Give our customer service team a call to discuss the range of personal loan options available and any concerns or issues with current loans. 

You can apply for a loan with Handy Finance between $2,001 and $75,000. 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.

No, we cannot provide an approval decision before submitting your application. If you would like to know more about your borrowing power, there are several things you can do. 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. Our credit experts often will come back to you with an indicative decision within minutes. Once approved, we aim to have the final sum in your account within 24 hours.

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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 online loans

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A quote won’t impact your credit score