Handypay personal loans

Handypay is a digital personal loan lender that is owned by online financial marketplace OurMoneyMarket. Established in 2020, Handypay is a relatively new kid on the block but it offers some competitive loan options for Aussie renovators. 

With the motto “Reno Now, Pay Later” this lender offers personal loans specifically for home improvements. This could include anything from doing up your home interior, revamping your house exterior or even switching to solar power. Currently, Handypay offers two personal loan products: a Personal Loan and a Green Loan.

Handypay offers the following personal loans

Rates and fees verified as correct at 20 May 2022. Other information correct at the time of writing. Advertiser disclosure.

Product Interest rate from Comparison rate from Upfront fee  
Green Loan (Fixed, Unsecured)

5.79% p.a.

6.36% p.a.based on $30,000
over 5 years


Go to site
Home Improvement Loan (Fixed, Unsecured)

5.75% p.a.

5.96% p.a.based on $30,000
over 5 years


Go to site

What personal loans do Handypay offer? 

Handypay Personal Loan 

Renovations can be costly. But that’s where the Handypay Personal Loan can give you the leg up you need to achieve your home improvement dreams. This fixed loan allows customers to borrow up to $75,000 to fund changes to the interior or exterior of their homes. Plus, there’s plenty of choice when it comes to this loan, including a range of loan terms from 1 to 7 years as well as the option to make weekly, fortnightly or monthly repayments. 

Want to pay down your loan ahead of time? With Handypay you can as there are free extra repayments and no early repayment penalty. Just bear in mind though, there is no redraw facility on this loan so you cannot access your additional repayments once they have been put towards the loan. There are also minimal fees attached to this product, however there is an upfront application cost straight off the bat. 

The Handypay Personal Loan is an unsecured loan, meaning you don’t need to put up any assets as collateral.

Handypay Green Loan 

Is your house going green? Look no further than the Handypay Green Loan. This product is designed to fund things like solar panels, battery storage, inverters, solar heating and cooling, rainwater tanks, energy efficient renovations and more. 

Customers can borrow anywhere from $2,001 to $75,000 for their eco-friendly initiatives, as well as choose a loan term from 1 to 10 years. This fixed rate loan comes with a bunch of flexible repayment features too, such as free extra repayments and the option of a weekly, fortnightly or monthly repayment schedule. 

Just bear in mind, like the Handypay Personal Loan there is also no redraw facility attached to this green loan option. And while there is no early repayment penalty if you pay down your loan ahead of time, make sure you budget for an upfront application cost.  

Handypay personal loans at a glance 

How do you apply for a Handypay personal loan? 

If Handypay sounds like the right lender for you, it’s time to apply! The application process is all online, you’ll just need to have the following information handy: 

  1. Your personal details 

  2. Identification documents (such as a driver’s licence or passport)

  3. Income information and employment status 

Handypay will also ask for your consent to access your credit report for the purposes of providing you with a rate quote.

We don't have any reviews of Handypay, be the first to write one

Handypay personal loans

There are no ratings yet for Handypay personal loans.

Personal loan quick links