Handy Finance - Personal Loan
Unsecured | Fixed
The Handy Finance Personal Loan offers an advertised interest rate from 6.57% p.a. and a comparison interest rate from 7.19% p.a.. The Handy Finance Personal Loan is a Fixed rate, Unsecured loan with a borrowing range of between $2,001 and $75,000 and a loan repayment term of between 1 and 7 years.
More Handy Finance Personal Loan details can be found below or visit Handy Finance to learn more or apply.
A Unsecured loan with an advertised rate of 6.57% p.a. and comparison rate of 7.19% p.a.
Advertised Rate
From 6.57% p.a. to 18.99% p.a. Fixed
Comparison Rate
From 7.19% p.a. to 21.78% p.a.
Loan Term
1 to 7 years
Borrowing Range
$2,001 to $75,000
Interest
Rate Type
Fixed
Advertised Rate
From 6.57% p.a. to 18.99% p.a.
Fixed
Comparison Rate
From 7.19% p.a. to 21.78% p.a.
Application Frequency
Monthly
Calculation Frequency
Daily
Loan Security
Loan Security
Unsecured
Loan Terms
Loan Term
1 to 7
years
Borrowing Range
$2,001 to $75,000
Repayment
Monthly, Weekly, Fortnightly
Features
Extra Repayments Allowed
Yes
Fees
Establishment Fee
$250
one off
Loan Service Fee
$0
per month
Early Repayment Fee
$0
per event
Late Payment Fee
$35
per event
Dishonour Fee
$25
per event
Who is the product designed for?
These customers are likely to have the following objectives, needs and financial situation for this product.
Objectives and Needs
- Customers who are borrowing for personal purposes to purchase an asset, obtain additional funds for personal expenditure, to consolidate debts, or for any other credit worthy purpose deemed acceptable to us.
- Customers have a fixed rate to provide certainty about the amount of each repayment. These customers are prepared and able to pay an interest rate which may be higher than prevailing variable rates in order to obtain this certainty.
- The product also caters for customers who may, at a future time, have access to additional funds to repay the loan early and save on interest, without incurring fees for early repayment.
Financial Situation
- Income Level: $25,000 (after-tax) or greater
- Savings required: N/A
- Residency: Citizen or Permanent Resident
- Employment status: Employed or Self-employed
- Age Group: 18-72
- Loan term: 1-7 years
- Loan amount: $2,001.00 - $75,000.00 (or $100,000 for home improvement purposes and passenger motor vehicles only)
- Interest rate type: Fixed
Visit Handy Finance to view Target Market Determination Effective From: 2024-12-10.
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