Must be over 18 years old
Australian citizens or permanent residents
Must receive employment income
(including self-employment)
Finance must be for personal use only
Finance your shed in 3 simple steps
Fill in a quick and easy application online. You’ll get your rate estimate in minutes, with no impact on your credit score.
Handypay will call to discuss the available options for you. Once verified and approved, funds can be settled in as little as 24 hours.
Repay on your terms. Repayments are conveniently scheduled in line with your income, so you can buy now – pay later!
A quote won’t impact your credit score
No early exit or early
repayment fees
Your simple, fast, low-rate payment plan comes with:
Need help with something? Here are the most frequently asked questions
With Handypay, the amount you can borrow ranges from $2,001 to $100,000. They'll look at your income, credit history, and how much debt you currently have to determine the payment plan amount that suits your requirements and objectives. Each plan will match your unique needs to make sure it fits your budget comfortably. To estimate your repayments, check out Handypay's calculator.
Handypay ensures borrowers with a good credit history are rewarded with better rates. They will offer you an interest rate based on your personal credit history and evaluation against their credit scorecard. You can receive an indicative rate estimate in just a few minutes via the Handypay online application form. Any estimates provided do not constitute an offer or approval of finance. Your final repayment amount and interest rate will be confirmed if an application is submitted and approved. To estimate your repayments, check out Handypay's calculator.
Traditional bank lenders tend to have higher operating costs, resulting in higher rates. Handypay keeps rates low by leveraging technology to keep operating costs down, making finances less daunting and allowing people to live life to the fullest.
No! You can repay your payment plan earlier and save on your overall interest costs at any time free of charge. At Handypay, there is no early repayment fee, so you can pay off your loan early without incurring any extra costs. You can find out more about their rates and fees here.
Repayments on Handypay payment plans can be made weekly, fortnightly or monthly. You must use direct debit for all scheduled repayments. To make repayments ahead of schedule, log into the Customer Portal and use BPAY.
To be eligible for a Handypay payment plan you must:
You can find out more here.
Yes, you can still apply for a payment plan even if you've got an existing loan, either with Handypay or another lender. Just make sure you don't have any unpaid defaults and that you meet other eligibility criteria. Handypay's credit eligibility criteria will apply.
Taking the stress out of finance
Read what our happy customers are saying about us
This was really impressive. The whole process took around 30 minutes - Nathan was awesome - and I received confirmation I was approved within 10 minutes of completing the application. Great service. The banks are in trouble.
Thank you for such a smooth process. Jake gave me clear and concise information in regards to the needs to fulfil my application and prompt answers. He was a pleasure to deal with. I will be recommending to family if they ever need finance.
Start your handy payment plan today
A quote won’t impact your credit score!
Canstar Outstanding Value Personal Loan Winner 2022, 2023, 2024. WeMoney Best For Quality Personal Loan Winner 2024. Mozo's Experts Choice Excellent Credit Unsecured Personal Loan Winner 2024. RateCity Gold Award Winner: Best Excellent Credit Personal Loans 2024. Finder Gold Award Winner - Risk Based Personal Loan 2022. Finance to approved applicants by OurMoneyMarket Lending Pty Ltd ABN 64 605 231 669 Australian Credit Licence 488228, trading as ‘Handypay’. All applications are subject to credit assessment and lending and eligibility criteria. Fees, charges, and terms and conditions apply. Target Market Determinations can be found at handypay.com.au/TMD. Establishment fee from $250 applicable on all loans. Handypay vendor partners have no involvement in the loan approval process or ongoing loan administration. For more information visit handypay.com.au.
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