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Handypay Personal Loan

Get a personalised rate for Handypay’s personal loan and borrow from $2,001 to $75,000. The loan is available for home improvements only.

Looking to renovate your home? Handypay personal loans are available from $2,001 to $75,000 and are exclusive for home improvements. Personalised rates start from 6.75% 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 between 1.5-6% the loan amount. There are also no fees for making additional repayments or settling the loan early. Handypay is a marketplace of lenders/investors owned by OurMoneyMarket Holdings

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From 6.75% (fixed)

Interest Rate (p.a.)


Comparison Rate (p.a.)


Min Loan Amount

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Product NameHandypay Personal Loan
Interest Rate (p.a.)
From 6.75% (fixed)
Comparison Rate (p.a.)6.96%
Interest Rate TypeFixed
Min Loan Amount$2,001
Max. Loan Amount$75,000
Loan SecurityUnsecured

Main points to consider with a personal loan from Handypay

Handypay personal loans have a fixed, personalised rate from 6.75% p.a. (comparison rate from 6.96% p.a.) to and a single upfront establishment fee of between 1.5–6% of the total loan amount. Applications only take a few minutes to complete and Handypay 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 for the purpose of home improvements. This product is not available for other purposes.

Features of a personal loan from Handypay

  • 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. Handypay 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.

Fees and charges

Costs of this loan include:

  • Interest rate. Approved applicants will be offered a personalised rate from 6.75% p.a. to 20.99% p.a. based on their credit score.
  • Comparison rate. Comparison rates for this loan start at 6.96% p.a.
  • Establishment fee. A single upfront fee of 1.5–6% of the total loan amount applies to this loan.

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

How to apply

If you'd like to apply for finance with Handypay, 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 will also be required to divulge information regarding your employment status, income and address.

Remember that while this is a competitive loan product, it's still a good idea to compare home improvement loan options prior to submitting an application.

Personal Loan Offers

Important Information*
Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 5.35% p.a. and 19.09% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3, 5 or 7 years terms.

Logo for ANZ Fixed Rate Personal Loan
ANZ Fixed Rate Personal Loan

You'll receive a fixed rate between 6.49% p.a. and 15.99% p.a. ( 7.41% p.a. to 16.84% p.a. comparison rate) based on your risk profile
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

Logo for NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed

You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 years to 7 years loan terms available. This loan comes with no fees for extra repayments and no early exit fees.

Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 6.95% p.a. and 22.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.

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