Student Loans
Flexible study loans for your educational goals
Investing in education can open doors to brighter futures, but the costs can add up. Handy Finance makes it easy with personal student loans.
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Interest rate from6.57%p.a.*
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Comparison rate7.51%p.a.*
Student loans to help you take the next step
At Handy Finance, we provide student loans exclusively to those who are employed, whether full-time, part-time, or self-employed. If you’re working and looking to fund school fees, graduate studies, or professional development courses, our flexible, low-rate loans make it easier to take the next step with confidence.
$2-75k Loan Amounts
$0 Monthly Fees
$0 Early Repayment Fees
1-7 yrs Flexible Loan Terms
3 quick and easy steps to securing your loan
Step 1
Get a free quote
Obtain an indicative quote in minutes, without impacting your credit score!
Step 2
Apply in Minutes
If you're happy with your quote, you can finalise the application online in minutes.
Step 3
Get Your Funds
You can get an indicative decision in minutes. Once approved, funds can be settled within 24 hours.
A quote won't impact your credit score
Student loans calculator
Estimate your student loan repayments so that you can further your studies with confidence.
I'd like to borrow
$30,000
Over a period of
4 years
With repayments every
Estimated weekly repayments from
$
including interest and fees
Loan amount --
Total estimated interest and fees --
Principal plus interest and fees --
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.
Student loans to power your education
Invest in your future with a student loan from Handy Finance. Whether you’re upskilling through short courses, pursuing a degree, or supporting a child’s education, our loans are built to give you financial flexibility without the hassle.
A quote won’t impact your credit score
Taking the stress out of finance
Read what our happy customers are saying about us
Customer service AMAZING
One of the best financial organisations in Australia!
Quick and Easy
Understanding student loans at Handy Finance
Get clear answers to your student loan questions with our expert insights, designed to help you make confident decisions about funding education. Explore your options and take the next step toward achieving your academic or professional goals with Handy Finance.
Frequently asked questions
Need help with something? Here are our most frequently asked questions.
How much can I borrow for my studies?
With Handy Finance, you can borrow between $2,001 and $75,000, depending on your financial situation and the cost of your educational needs. Use our loan calculator to estimate your repayments and find the right amount for you.
What are the eligibility criteria for a student loan?
To qualify for a Handy Finance student loan, you must:
- Be employed or self-employed with a regular income.
- Be at least 18 years old and an Australian citizen or permanent resident.
Provide identification and recent bank statements.
These criteria make our loans ideal for parents funding their children’s education or professionals pursuing further studies.
How do I apply for a student loan?
Applying for a Handy Finance study loan is simple:
- Submit your application online: Complete the easy application form on our website.
- Verification: We’ll securely verify your details and bank statements.
- Approval: You can be pre-approved in minutes, with funds available as soon as 24 hours after full approval.
What are the interest rates and repayment options?
Handy Finance offers competitive interest rates with:
- Flexible loan terms range from 1 to 7 years.
- Options for weekly, fortnightly, or monthly repayments.
This ensures your loan fits your income and financial circumstances.
What happens if I can't afford my repayments?
If you’re struggling with repayments, contact our team immediately. We’ll work with you to adjust your repayment schedule or explore other options to help you manage your loan responsibly.
Can I consolidate my existing student loans?
Yes, Handy Finance can help you consolidate multiple student loans into one simple repayment. In addition to student debt, you can also consolidate credit card balances, car loans, medical bills, and other types of personal loans. This streamlined approach can make managing your finances easier and may even reduce your overall interest costs.
Are there any government grants or scholarships available?
While Handy Finance doesn’t provide grants or scholarships, we recommend exploring government programs and scholarships offered by educational institutions to help offset costs. A Handy Finance study loan can cover the remaining expenses not covered by such programs.
What happens to my loan if I defer my studies or drop out?
If you defer or discontinue your studies, your loan repayments will continue as per the agreed terms. Contact Handy Finance to discuss your situation and explore potential adjustments to your repayment plan.
How can I make informed decisions about student loan borrowing?
To make the best decisions:
- Assess your educational costs and repayment capacity.
- Use the Handy Finance loan calculator to estimate repayments.
- Consider long-term goals and potential earnings post-graduation.
Ready to invest in education?
Whether you’re funding your child’s education or taking a step forward in your career, Handy Finance is here to help with flexible study loans. Apply online and unlock your potential with Handy Finance!
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A quote won’t impact your credit score
For personal loans, go with Handy Finance
OurMoneyMarket recently rebranded to Handy Finance and, whilst this gives us a shiny new look, all the people, products, and services within our business remain the same. The awards listed were presented to OurMoneyMarket before we changed our name and are used here with permission from the lovely people that gave them to us.
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