Handy Finance Personal Loan

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Handy Finance Personal Loan

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Interest Rate (p.a.)
6.57% to 18.99%
Comp. Rate (p.a.)
7.19% to 21.78%
Min Loan Amount
$2,001

Summary

Get a personalised rate for Handy Finance’s personal loan and borrow from $2,001 to $75,000.

Handy Finance personal loans are available from $2,001 to $75,000. Personalised rates start from 6.57% p.a., and can vary based on your financial history and credit score. While the loan has no ongoing fees, you’ll have to pay a single upfront establishment fee of $250. There are also no fees for making additional repayments or settling the loan early.

Pros

  • No ongoing fees
  • Penalty-free additional repayments
  • 100% online

Cons

  • Only available for home improvements
  • Late repayments fee may apply

In this guide

  • Review
  • Details
    • Product details
  • How does the Handy Finance Personal Loan work?
  • How to apply
  • Features of this loan
  • How much does the Handy Finance Personal Loan cost?
  • Compare other personal loans
  • Your reviews

Details

Product details

Product Name Handy Finance Personal Loan
Interest Rate (p.a.) 6.57% to 18.99%
Comp. Rate (p.a.) 7.19% to 21.78%
Interest Rate Type Fixed
Min Loan Amount $2,001
Max. Loan Amount $75,000
Loan Security Unsecured

How does the Handy Finance Personal Loan work?

Handy Finance personal loans have a fixed, personalised rate from 6.57% p.a. (comparison rate from 7.19% p.a.) to and a single upfront establishment fee of $250. Applications only take a few minutes to complete and Handy Finance will perform a one-minute Quick Rate Check to determine an estimate of the rate that you likely qualify for and whether you can be pre-approved for finance. The better your credit score, the lower the rate you will likely be offered.

This loan is available from $2,001 to $75,000, on terms from 1 to 7 years. You can use the loan for home improvements, purchasing a vehicle or other purposes.

How to apply

If you'd like to apply for finance with Handy Finance, you can click "Go to site" and submit a quick application. To do so, you must be:

  • Aged 18 or over
  • A permanent Australian resident or valid visa holder

You also need to provide information about your employment status, income and address.

Features of this loan

  • Varying loan amounts. Apply for between $2,001 and $75,000.
  • Quick application. Applications only take five minutes to complete and you can get a rate estimate in just one minute.
  • Single loan purpose. This loan is available for home improvements only.
  • No account-keeping fees. Handy Finance loans have no ongoing fees.
  • Flexible terms. Repay your loan over 1 to 7 years.
  • 100% online. Apply for and manage your loan 100% online.
  • Flexible repayments. You can choose between weekly, fortnightly or monthly repayments.
  • Penalty-free repayments. If you choose to, you are able to make additional repayments or repay your loan early, penalty-free.
  • Fixed rate. This loan has a fixed rate, so your rate will not change over the life of the loan.

How much does the Handy Finance Personal Loan cost?

Costs of this loan include:

  • Interest rate. Approved applicants will be offered a personalised rate from 6.57% p.a. to 18.99% p.a. based on their credit score.
  • Comparison rate. Comparison rates for this loan start at 7.19% p.a.
  • Establishment fee. A single upfront fee of $250 applies to this loan.

While there are no ongoing fees with this loan, fees for late repayments or direct debit dishonours may apply.

Compare other personal loans

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Name Interest Rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
Harmoney Unsecured Personal Loan
Harmoney logo
Finder award winner
Fixed3 - 7 Years $2,000 - $70,000
Interest Rate (p.a.)
5.76%
to 24.03%
Comp. Rate (p.a.)
6.55%
to 24.98%
Application Fee
$275 - $575
Monthly Fee
$0
Monthly Repayment
$926.83
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Receive competitive interest rates tailored to your personal circumstances, repay the loan early without incurring an early repayment fee, and enjoy no monthly or annual fees.
NOW Finance No Fee Unsecured Personal Loan
NOW Finance logo
Finder award winner
Fixed18 Months - 7 Years $5,000 - $50,000
Interest Rate (p.a.)
6.75%
to 26.95%
Comp. Rate (p.a.)
6.75%
to 26.95%
Application Fee
$0
Monthly Fee
$0
Monthly Repayment
$922.89
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OurMoneyMarket Unsecured Low-Rate Personal Loan ($5,000-$75,000)
OurMoneyMarket logo
ExclusiveFinder award winner
Fixed1 - 7 Years $5,000 - $75,000
Interest Rate (p.a.)
6.57%
to 18.99%
Comp. Rate (p.a.)
7.19%
to 21.78%
Application Fee
1.50% - 6%
min. $250
Monthly Fee
$0
Monthly Repayment
$934.23
Go to siteMore Info
Finder Exclusive: Limited time only. $100 eGift Card for borrowers with Excellent Credit who apply via Finder by 28 February and settle the loan by 15 March.
Employed applicants with an Equifax credit score of 500 or above are eligible. No ongoing or early exit fees. Loan amounts range from $5,000 to $75,000, and up to $100,000 for home improvement projects and motor vehicles.
Latitude Variable Rate Personal Loan
Latitude Financial Services logo
Variable2 - 7 Years $5,000 - $70,000
Interest Rate (p.a.)
9.49%
to 29.99%
Comp. Rate (p.a.)
10.37%
to 30.69%
Application Fee
$0
Monthly Fee
$13
Monthly Repayment
$973.85
Go to siteMore Info
Special offer: $395 establishment fee waived for approved personal loan applications for a limited time. Latitude may withdraw offer at any time. T&Cs apply.
NAB Personal Loan Unsecured Fixed
NAB logo
Fixed1 - 7 Years $5,000 - $55,000
Interest Rate (p.a.)
8.49%
to 20.49%
Comp. Rate (p.a.)
9.88%
to 21.78%
Application Fee
$250
Monthly Fee
$15
Monthly Repayment
$969.78
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OurMoneyMarket Secured Personal Loan ($5,000-$75,000)
OurMoneyMarket logo
Fixed1 - 7 Years $5,000 - $75,000
Interest Rate (p.a.)
6.57%
to 18.99%
Comp. Rate (p.a.)
7.19%
to 21.78%
Application Fee
1.50% - 6%
min. $250
Monthly Fee
$0
Monthly Repayment
$934.23
Go to siteMore Info
OurMoneyMarket Home Improvement Loan
OurMoneyMarket logo
Fixed1 - 7 Years $5,000 - $100,000
Interest Rate (p.a.)
6.57%
to 18.99%
Comp. Rate (p.a.)
7.19%
to 21.78%
Application Fee
1.50% - 6%
min. $250
Monthly Fee
$0
Monthly Repayment
$934.23
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NAB Personal Loan Unsecured Variable Rate
NAB logo
Variable1 - 7 Years $5,000 - $55,000
Interest Rate (p.a.)
8.49%
to 20.49%
Comp. Rate (p.a.)
9.88%
to 21.78%
Application Fee
$250
Monthly Fee
$15
Monthly Repayment
$969.78
Go to siteMore Info
ANZ Variable Rate Personal Loan
ANZ logo
Variable1 - 7 Years $5,000 - $50,000
Interest Rate (p.a.)
7.49%
to 19.99%
Comp. Rate (p.a.)
8.18%
to 20.58%
Application Fee
$150
Monthly Fee
$10
Monthly Repayment
$947.71
More Info
Special Offer: Until 13 April, eligible borrowers of an ANZ personal loan can get $250 cashback and $150 application fee waived. Terms and conditions apply.
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