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Small payments for big ideas

Low-rate, flexible payment plans
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Get your next big project started with Handypay

We work with award-winning finance provider Handypay, so that you can access a simple, affordable payment plan and get your project started today. Now that’s handy!

HANDYPAY FEATURES

Flexible payment plans

Amounts

$2,001 - $100,000

Repayments

Weekly, Fortnightly, Monthly

Available Terms

1 - 7 years

Amounts

$2,001 - $100,000

Repayments

Weekly, Fortnightly, Monthly

Available Terms

1 - 7 years

ELIGIBILITY CRITERIA

Who can apply?

  • 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

THE PROCESS

Finance your project 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!  
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A quote won’t impact your credit score

FAIRER FEES

No early exit or early repayment fees

Your simple, fast, low-rate payment plan comes with:
  • No monthly fees
  • No early repayment fees
  • No early exit fees

Frequently asked questions

Need help with something? Here are the most frequently asked questions

Terms

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.

Eligibility

To be eligible for a Handypay payment plan you must:
 
  • Be 18 years of age or older
  • Be a citizen or permanent resident of Australia
  • Have no outstanding or unpaid defaults
  • Have no history of bankruptcy, nor be party to court judgment
  • Not be in hardship with a different financial provider
  • Have a regular income via active employment, whether employed or self-employed
  • Meet Handypay's credit eligibility criteria

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

Quick and Easy

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.

George Glover

trustpilot.com

Smooth Sailing

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.

Kelly Osborne

trustpilot.com

Start your handy payment plan today

A quote won’t impact your credit score!

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Canstar Outstanding Value Personal Loans Winner 2022, 2023, 2024, 2025. WeMoney Best For Quality Personal Loans Winner 2023, 2024, 2025. Credit is provided by OurMoneyMarket Lending Pty Ltd ABN 64 605 231 669 trading as Handypay Australian Credit Licence 488228 and is subject to fees, charges, and Handypay’s standard terms and conditions and lending criteria. A one-off establishment fee of 0% – 6% of the loan amount will be added to the principal loan balance, to be repaid over the loan term. The establishment fee is calculated based on your credit score. Target Market Determinations can be found at handypay.com.au/TMD. We have an arrangement with Handypay under which we can refer customers to Handypay for credit. We have no involvement in the loan approval process or ongoing loan administration. For more information visit handypay.com.au.

Small payments for big ideas