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Personal loans with a low rate

Low rate personal loans with Handy start at 6.57% p.a. (comparison rate: 7.19% p.a.), allowing you to get where you’re going in life.

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Easy loans, no hidden fees

A simple online application process, with no early repayment fees, no early exit fees and no monthly account fees.

 

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Establishment fee

The only fee required for your loan is an establishment fee, calculated as a percentage of your loan’s total, with a minimum of $250.
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Other fees

We charge a fee for loan variations ($35), document production for hard copies ($25) and loan cancellations prior to funds entering your account ($150).
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No hidden fees

As long as your scheduled repayments are on time, you will never find another hidden fee when borrowing with Handy Finance.
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Late payment fees

Late or overdue repayments result in a $35 fee, and a direct debit dishonour fee of $25 will be charged if we are unable to process funds from your account. Upon breaching the terms of your contract, we may charge you for expenses incurred regarding collection.

Estimate my personal loan rate

You can get a general idea of your rate and repayments below, or take 5-minutes to receive a quote in seconds. It is a no-obligation, free quote, and will not impact your credit score. That’s handy!

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.

Frequently Asked Questions

When calculating your rate, we consider your credit record and history – through a trusted, third-party credit bureau – and your financial situation. Using this information, we give you a unique rate based on your circumstances.

A comparison rate includes the interest rate as well as certain fees and charges relating to a loan. The aim of the comparison rate is to help you identify the true cost of a loan and compare loans.

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Buy now, pay later, with our payment plan solutions

Handypay gives you the power to get what you need today and pay for it later – now that’s handy!

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Pay later without having to stress about hidden fees

Handypay has no hidden fees, so you’ll know exactly how much you’re paying and when.

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Have questions? Handy can help

For more information about loans with Handy, check out our helpful resources, get in contact with our team on 1300 990 115 or complete our online enquiry form.