In this guide

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

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Handypay Personal Loan

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Interest Rate (p.a.)
6.75% to 20.99%
Comp. Rate (p.a.)
6.96% to 23.83%
Min Loan Amount
$2,001

Summary

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

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 Handypay Personal Loan work?
  • How to apply
  • Features of this loan
  • How much does the Handypay Personal Loan cost?
  • Compare other personal loans
  • Your reviews

Details

Product details

Product Name Handypay Personal Loan
Interest Rate (p.a.) 6.75% to 20.99%
Comp. Rate (p.a.) 6.96% to 23.83%
Interest Rate Type Fixed
Min Loan Amount $2,001
Max. Loan Amount $75,000
Loan Security Unsecured

How does the Handypay Personal Loan work?

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.

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.

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. 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.

How much does the Handypay Personal Loan cost?

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.

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1 - 8 of 8
Name Interest Rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
NOW Finance No Fee Unsecured Personal Loan
Finder award winnerFixed18 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 Personal Loan
Fixed1 - 7 Years $2,001 - $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
Harmoney Unsecured Personal Loan
Finder award winnerFixed3 - 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
Go to siteMore Info
Citi Personal Loan Plus
Variable3 - 5 Years $2,000 - $55,000
Interest Rate (p.a.)
10.90%
Comp. Rate (p.a.)
11.19%
Application Fee
$199
Monthly Fee
$10
Monthly Repayment
$997.25
Go to siteMore Info
Special Offer: Monthly Fee of $10 waived for applications submitted before 30 June 2024.
Latitude Variable Rate Personal Loan
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 Finder offer: $395 establishment fee waived for approved personal loan applications submitted through Finder. Latitude may withdraw offer at any time. T&Cs apply.
NAB Personal Loan Unsecured Fixed
Fixed1 - 7 Years $5,000 - $55,000
Interest Rate (p.a.)
6.99%
to 20.49%
Comp. Rate (p.a.)
7.91%
to 21.33%
Application Fee
$150
Monthly Fee
$10
Monthly Repayment
$940.81
Go to siteMore Info
NAB Personal Loan Unsecured Variable Rate
Variable1 - 7 Years $5,000 - $55,000
Interest Rate (p.a.)
6.99%
to 20.49%
Comp. Rate (p.a.)
7.91%
to 21.33%
Application Fee
$150
Monthly Fee
$10
Monthly Repayment
$940.81
Go to siteMore Info
ING Personal Loan
Finder award winnerFixed2 - 7 Years $5,000 - $60,000
Interest Rate (p.a.)
6.89%
to 18.99%
Comp. Rate (p.a.)
7.10%
to 19.23%
Application Fee
$150
Monthly Fee
$0
Monthly Repayment
$929.43
Go to siteMore Info
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