Traditional bank lenders tend to have higher operating costs, which can result in higher rates. Handy Finance aims to keep rates low by keeping operating costs down to make finances less daunting and allow people to live life to the fullest.

An advertised rate is what lenders show to give you an idea of the loan cost. This rate can depend on your individual credit score as well as the details provided in your loan application. Remember, this rate usually doesn’t include all charges and fees, so it’s only a part of the cost of your loan. That’s why it’s important to look at the comparison rate for the full picture.

Handy Finance ensures borrowers with a good credit history are rewarded with better rates. Handy Finance can offer interest rates based on personal credit history and evaluation against our credit scorecard. You can receive an indicative rate estimate in just a few minutes via our online application form. Any estimates provided do not constitute an offer or approval of finance. Your repayment amount and interest rate will be confirmed if an application is submitted and approved.

At Handy Finance, we don’t charge account-keeping or ongoing fees for our personal loans, making things simpler for you. The only upfront charge is an establishment fee. This is a one-time fee added to your loan amount at the start, covering the cost of setting up your loan. It’s included in your total loan amount, so you pay it off over time along with the rest of your loan, with no hidden surprises.