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Handypay Home Improvement Loan

Advertiser disclosure
Interest rate from
5.75% p.a.
Comparison rate from
5.96% p.a.based on $30,000
over 5 years
Upfront fee
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Mozo editorial review Handypay Home Improvement Loan - last updated: 21 January 2022

5 / 5
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What's hot
  • Competitive fixed rates from 5.75% p.a. (5.96% p.a. comparison rate*)
  • Extra repayments allowed
  • No monthly or early repayment fees
What's not
  • $250 upfront fee
  • $35 late repayment fee
Mozo snapshot

Looking for the right home improvement loan to help cover the cost of a home renovation project? Well, with low fixed rates from 5.75% p.a. (5.96% p.a. comparison rate*) on loans between $2,000 and $75,000, 1-7 year loan terms, plus a bunch of other flexible features, look no further than the Handypay Home Improvement Loan.

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Key features

The Handypay Home Improvement Loan kicks things off with competitive fixed rates from 5.75% p.a. (5.96% p.a. comparison rate*) on loan amounts between $2,000 and $75,000. The loan offers loads of flexibility, with loan terms ranging from as little as one year going right up to seven years.

This loan also gives you the option of either weekly, fortnightly or monthly repayments, so you’ll be able to tailor them according to when you get paid.

The Handypay Home Improvement Loan is an unsecured loan type, so you won’t have to worry about losing your car, house or any other expensive assets as you won’t need to put them up as collateral against the loan.

On top of all this, the loan lets customers make extra free repayments, so you can pay it off as fast as you like without being penalised for it!

Bear in mind that this loan does come with a $250 upfront fee, plus a $35 late payment fee if you miss a repayment.

Who is it good for

With loan amounts from as little as $2,000 to as much as $75,000, the Handypay Home Improvement Loan could be suitable for a range of different budgets.

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Any catches

The Handypay Home Improvement Loan comes with a $250 upfront fee as well as a $35 late payment fee should you ever miss a repayment.

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Ava Crawford
Money writer

Ava Crawford is an experienced journalist, specialising in credit cards, personal loans and buy now pay later platforms here at Mozo. Ava has also produced digital content for Foxtel's LifeStyle and FOXArena, and has contributed to notable outlets such as The New York Times and ITV. She attended New York University and completed a degree in English and American Literature. She is also ASIC RG146 (Tier 2) certified for general advice.


Rates and fees information correct as at 17 May 2022. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.


5.75% p.a. fixed

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







Other financial bits



1 Year

7 Years



Weekly, Fortnightly, Monthly





WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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