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Loan Calculator

Handy Finance Pool Finance Calculator

Get a quick estimate of what your repayments could look like

I'd like to borrow

$30,000

Over a period of

4 years

With repayments every

Week
Fortnight
Month

My credit rating is

  • Excellent
  • Very good
  • Good
  • Average
  • Below Average
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Estimated weekly repayments from

$

including interest and fees

Apply now A quote won't impact your credit score

Interest rate from

6.57 % p.a*

Comparison rate

7.51 % p.a*

Interest rate from

6.57

%

p.a.*

Comparison rate

7.51

%

p.a.*

The interest rate and repayment amount are estimates only, 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.

Total estimated interest and fees payable

$ over - years info icon Loan amount: $--- Total estimated interest and fees: $--- Principal plus interest and fees: $---

Principal

Principal + Interest

Affordability Calculator

How much can I afford?

I can afford

$0

Affordability icon

With repayments every

Week
Fortnight
Month

Over a period of

7 years

Based on the provided info, you may be able to borrow up to

$0

Apply now

Loan amount based on weekly repayments of $0 for 7 years, with an interest rate of 9.99% p.a.

4 quick and easy steps to securing your pre-approval

Take a pre-approval with you for your next purchase

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Apply online

Complete your application online. Submit all of the required documentation.
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Get pre-approval

Our dedicated team will come back to you within hours and provide you with the amount best suited for your needs.
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Make a plan

Think about when and how to make the most out of your loan – we’ll hold your funds for up to a month.
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Repay when ready

When you are ready to get started, settle your loan within as little as 24 hours.
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Removing barriers for what you need

Get approval in minutes to purchase what you need today.

  • Low rate

    Low Rates

    We’re committed to giving you the best and taking the stress out of borrowing, allowing you to enjoy life to the fullest.

  • Document

    No Hidden Fees

    Handy Finance fees are completely transparent, giving you complete control over your finances.

  • Dollar

    Simple and Flexible

    Repay your loan however is best for you – weekly, fortnightly or monthly, for up to 7 years.

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    Quick Applications

    An application process entirely online, with pre-approval in minutes.

Minimum Eligibility Criteria

Who can apply?

  • Must be over 18 years
  • Australian Permanent Resident or Australian Citizen
  • Must receive employment income
  • Must be for consumer use only

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A quote won’t impact your credit score

Handy Guide

Understanding pool finance calculator at Handy Finance

Handy Guide

Can I finance a pool?

A swimming pool is more than just a luxury – it’s an investment in your lifestyle and property value. Whether it’s a sleek inground design or a functional above-ground pool, Handy Finance can make financing your dream pool easy and affordable.

If upfront costs feel overwhelming, financing a pool can be an option for you. With the Handy Finance pool finance calculator, you can estimate your repayments and interest rates to find a plan that works for your budget.

Why use the pool finance calculator?

The Handy Finance pool finance calculator can be your first step toward turning your backyard vision into reality. Here’s why it’s useful:

  • Quick and convenient: See estimated interest rates and repayments instantly.
  • Budget insights: Get an idea of what loan amounts, terms, and repayment options fit your budget.
  • Customisable options: Experiment with different loan amounts and terms to see how they may impact your repayments.
  • Informed decisions: Understand your potential repayments before applying, so you can make informed decisions about your pool financing.

Considerations before applying for a pool loan

Before diving into a pool loan, keep these factors in mind:

  1. Total costs: Account for installation, landscaping, fencing, and additional features like lighting or decking. Remember ongoing maintenance costs, including cleaning and utilities.
  2. Loan terms: Determine whether a short or long-term loan better aligns with your budget. Shorter terms may mean higher repayments but lower total interest.
  3. Credit score: A strong credit score can help you secure more competitive interest rates.

Lender fees: Check for hidden fees, such as servicing or early repayment charges. Handy Finance offers $0 monthly account-keeping fees and no early exit fees.

Next steps after using the calculator

The pool finance calculator is a great tool for finding out whether a pool loan is the right choice for you. It can help you estimate your borrowing power, set a budget, and focus on the pool options that suit you. 

Once you know the loan amount that works for you and your preferred repayment schedule, you can apply online. The process typically takes a few minutes and provides an indicative quote, including an estimated interest rate, based on your details. If your application is approved, your funds can be settled as soon as 24 hours after approval.

Frequently asked questions

Need help with something? Here are our most frequently asked questions.

Understanding pool finance calculators

A pool finance calculator helps estimate loan repayments and interest rates based on variables like loan amount, loan term, repayment frequency, and credit rating. It’s a tool that provides rough estimates, giving you a better idea of your potential repayments.

While our pool calculator provides approximations of repayments and interest rates, actual loan terms depend on the assessment of your overall financial profile. This includes, but is not limited to, factors such as your credit history, credit score, employment status, living situation, and existing debts.

Calculating loan terms

Interest rates for pool loans are influenced by several factors, including your credit history, loan term, and whether the loan is secured or unsecured. Lenders also consider your overall financial profile, such as your income, existing debts, and repayment reliability. Understanding these factors can help you plan your loan and manage repayments more effectively.

Lenders take several factors into account when setting interest rates for your loan. These include your financial standing, employment history, and overall creditworthiness, as well as the loan term and whether the loan is secured or unsecured. By understanding these factors, you can see how different loan options may affect your rate and repayments, helping you choose a loan that aligns with your budget and goals.

Loan application and approval process

For a pool loan application, you’ll typically need ID, bank statements, and details about your financial obligations and pool project. At Handy Finance, we use the Illion Bank Statement service for secure and fast verification of your income and expenses. This allows for a seamless application process, helping you get approved quickly and move forward with your pool project sooner.

Approval timelines vary by lender but are generally completed within a few days. With Handy Finance, you can be approved within minutes and receive your funds as soon as 24 hours after being approved.

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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.

Get a rate for your Handy Finance pool finance

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A quote won’t impact your credit score