Rates and Fees
Low rates, flexible repayments and no hidden fees
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.
Easy loans, no hidden fees
A simple online application process, with no early repayment fees, no early exit fees and no monthly account fees.
No hidden fees
Late payment fees
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!
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.
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!
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.