Handy Finance

Smarter ways to borrow, spend and save
From everyday spending to major milestones, Handy Finance helps you borrow, manage and save with features that keep your financial goals in focus. Stay organised, make smarter decisions, and take the stress out of managing your money.

Personal loans up to $100,000
Ready to make your next big idea a reality? Apply for a personal loan and you can get conditional approval in minutes. With competitive rates, flexible repayment options (weekly, fortnightly or monthly), and no early exit fees, you can access funds as soon as 24 hours after approval and manage everything from your phone. Perfect for home improvements, buying a car, debt consolidation or life’s big moments.

Zero-Interest Credit Card
Spend smarter with a flexible credit card that helps you stay in control. Earn cashback on eligible purchases and repay in 4 simple instalments—all with zero interest. Use your card anywhere Mastercard is accepted, worldwide. Unlock higher card status to enjoy reduced fees, access exclusive features, or skip a repayment when you need to.

Every transaction at a glance
Track your spending in real time with a clear view of your account activity. Handy Finance helps you understand your spending patterns, so you can budget effectively and make confident financial decisions.

Handy Points for smart choices
Turn good financial habits like lowering bills or refinancing your loan into real rewards. Take everyday actions through the Handy Finance App for eligible products and services, and get rewarded.

Deals that help you save
Access exclusive offers to help you cut costs on bills and services. From switching electricity and internet providers to finding better mobile plans, Handy Deals help you find real savings where it counts.

Why choose Handy Finance?
• Award-winning value (Canstar Outstanding Value Personal Loans 2022–2024)
• Fast, 100% online applications with funds as soon as 24 hours after approval
• Fixed rates with no surprises or hidden fees
• Flexible repayment options to suit your income
• Zero-interest credit card with cashback rewards
• Real-time spending insights

Built for busy Australians
We understand that managing money shouldn't be complicated. That's why we've built an app that brings together everything you need - lending, spending insights, rewards, and deals - in one simple, secure platform.

Ready to make money simple? Download the Handy Finance app and discover how easy managing your finances can be.


Finance provided by OurMoneyMarket Lending Pty Ltd ABN 64 605 231 669, Australian Credit Licence 488228, trading as 'Handy Finance'. Approvals subject to credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.