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Get up to $5,000 In your bank account as early as the next business day!
- Fast, easy online application
- All credit scores accepted
- Zero upfront fees or costs
How it Works
Apply In Minutes
Answer a few questions and tell us what type of loan you're looking for. You can get approved in minutes..
Select Your Loan
Review your personalized Loan options. You choose the rate, term, and payment options you like best.
Get Funded Quick
Get funded in as little as 24 hours: We'll send you a loan the next business day and send it straight to your bank account.
Apply for Your Loan Now
Why Choose a Personal Loan?
Personal loans provide you fast, flexible access to funds that can be used for many major life events, or expenses, all with one fixed monthly payment.
Apply for Your Loan Today!
When it comes to loan options, applying online with HandyLoans is a breeze - and with low rates and $0 fees, even the math is easy.
Get StartedFrequently Asked Questions
We are here to make the loan process easy for you. If you are still looking for answers to your questions, contact us, and we will do our best to help you.
Apply for a loan in 3 simple steps:
Answer a few quick questions:
Tell us what type of loan you're looking for. You can get approved in minutes with no impact on your credit score.
Review and Select Your Loan:
Review your personalized Loan options. You choose the rate, term, and payment options you like best.
Get Funded Quickly:
After you provide the necessary documentation, your lender will get you your funds in as little as 24 hours: We'll send you a loan the next business day and send it straight to your bank account.
Repayment Terms
Our lenders give you as much as 72 months to repay your loan. View Terms Below.
Lending Period: 61 Days to 72 months
Payment Options: Once to twice a month
Maximum APR: From 5.99% to 35.99
Representative Repayment Examples
1 If you borrowed $2,000 over a 24 month period and the loan had a 8% arrangement fee ($160), your monthly repayments would be $97.69, with a total pay back amount of $2,344.58 which including the 8% fee paid from the loan amount, would have a total cost of $344.58.
Effective Representative APR : 15.748%.
2 If you borrowed $3,000 over a 36 month period and the loan had a 8% arrangement fee ($240), your monthly repayments would be $101.53, with a total pay back amount of $3,655.07 which including the 8% fee paid from the loan amount, would have a total cost of $655.07.
Effective Representative APR : 13.312%.
3 If you borrowed $4,000 over a 48 month period and the loan had a 8% arrangement fee ($320), your monthly repayments would be $105.46, with a total pay back amount of $5,062.26 which including the 8% fee paid from the loan amount, would have a total cost of $1,062.26.
Effective Representative APR : 12.067%.
APR Disclosures & Repayment Terms
Annual Percentage Rate (APR) measures the cost of credit, expressed as a nominal yearly rate. It relates to the amount and timing of value the consumer receives to the amount and timing of payments made. HandyLoans cannot promise a specific APR. Our lending partners set the APR on loans and repayment terms. since we are not a lender ourselves. An APR can generally run between 5.99% up to 35.99%. Loan products generally have a 61-day minimum repayment term and a 72-month maximum repayment term. Before accepting a loan from a lender within our network, Read the terms of your loan carefully before accepting and signing a loan contract.
| Loan Amount | $1,000 | $2,000 | $5,000 | $10,000 |
| Interest Rate | 24% | 19% | 13% | 8% |
| Loan Term | 24% | $2,000 | $2,000 | $2,000 |
| Loan Amount | 12 Months | 24 Months | 48 Months | 60 Months |
| Fee | 3% | 5% | 8% | 10% |
| Fee Cost | $30 | $100 | $400 | $1,000 |
| Repayment | $29.82 | $100.82 | $131.67 | $202.28 |
| APR | 29.82% | 24.12% | 18.23% | 9.20% |
| Total Payments | $1,134.74 | $2,000 | $2,000 | $2,000 |
| Loan Amount | $1,000 | $2,000 | $2,000 | $2,000 |
Financial Implications (Interest & Finance Charges)
HandyLoans.com is not a lender, and we cannot predict what fees and interest rates will be applied to the loan you will be offered. It is your lender that will provide all the necessary information about the cost of the loan before you get approved. You are responsible for perusing the loan agreement carefully and accepting the offer only if you agree to all the terms. HandyLoans.com service is free of charge, and you are under no obligation to accept the terms that the lender offers you.
Implications of Non-Payment
When you accept the terms and conditions for a loan, you enter into a commitment to repay the amount you owe, according to the specific schedule outlined in the documents. In the event of non-payment, additional charges may be applied. Late payment penalties vary by lender, and as HandyLoans.com is not involved in the lending process, we cannot supply any information on the fees you will incur if any disruptions occur. For more information, please contact the lender directly if you have any issues related to your loan repayment.
Potential Impact to Credit Score
HandyLoans.com is not a lender, and we do not check your credit standing and credit capacity. When you submit a request on our online platform, this is considered a soft inquiry and does not impact your credit score. However, some lenders may carry out a credit check to ascertain your eligibility for a loan. They will most likely turn to one of the three major credit bureaus: Transunion, Experian, or Equifax. When the lender inquires about your credit via these platforms, that inquiry will be considered a hard inquiry, affecting your credit score.
Collection Practices
HandyLoans.com is not a lender. As such, we are not involved in any debt collection practices and cannot make you aware of any of them. Your lender will specify their collection practices in your loan agreement. If you have any questions regarding the loan collection, please address them with your lender. For more information, visit our page for Responsible Lending.
Loan Renewal Policies
Loan renewal options are not always available. It is therefore advisable to clarify whether the option is available with your lender. Be sure to carefully read and understand the renewal policy presented in the agreement before you sign the documents.