About

HANDOUT is a unique short term money lending business that provides fast loans to people who need extra cash. Our loans are really for people who require a small amount of money for a short time.

At HANDOUT, we are young, tech-savvy individuals who were dissatisfied with the way customers go about applying for personal loans from the local shop-front lender to the more astute online lender and knew that technology should be making this process a lot easier. So, we got to work and built a technology platform that provides you with an effortless solution.

It might seem cliché, but we genuinely think the customer experience is the most important. We live vicariously through our customers. We don’t pretend to know what is best. We learn and improve from feedback, and our customers pave the way forward for us so that we can provide the ultimate funding experience.

Our technology, our platform, our disruptive never seen before lending model and our passionate team still focuses on weaving emerging technology with good old fashioned services to constantly innovate the way people apply for personal loans. We want to ensure we give our customers what they want – super fast online service, convenient store locations all within an effortless process.

We offer loans up to $5000 and once approved you can pay it all back happily using flexible repayments and a schedule you set up yourself before confirming your loan. It’s that easy! Our loan procedures ensure you'll see all the costs involved upfront, so you can make the right decisions. We want you feeling comfortable about the costs involved.

We aim to make every interaction with us effortless, from rescheduling payments to answering your queries.  So, if you need that extra helping hand, just grab a HANDOUT.

Want to speak with someone about our hassle free fast cash loans?
Contact one of our friendly customer care team members at 02 8834 9405 or email us at customercare@handout.com.au

FAQs

Need A Helping Hand? A Helps

What do I need to apply? How do I qualify?

In order for your online loan application to be considered, you have to be at least 18 years old. You also need to have a regular income from a full time or part time job. This also includes government benefits and pensions. However, keep in mind that we usually don’t let your income come fully from government benefits or pensions.

HANDOUT is built on responsible lending. You will need to show that you can comfortably pay your repayments. We tend to disapprove loan applications if there is any risk of being placed in a financial pickle as a result of borrowing money from HANDOUT.

Will you do a credit check?

We are responsible lenders. We lend to people with good credit and bad credit ratings, as we focus on your ability to meet your payments, not your past financial situation. So whilst we do check your credit, it plays a small role in our decision making.

We won’t do it without your express consent, which you provide to us when you apply for a HANDOUT Loan. As part of our credit assessment, we may decide that we need to check your credit history, in which case we will make an enquiry on your credit file.

Can I repay my loan early?

We encourage our users to pay off their HANDOUT loans as soon as possible! The quicker you pay your loan, the less you will be charged in monthly account fees. Paying off your loan before its due date will be a positive mark on any future applications.

What is the maximum amount I can borrow?

This all depends on how much you need, your financial history and current financial circumstances.

You can loan between $300-$5,000 (depending upon your ability to repay) using HANDOUT's fast online loans. Rather than paying back the full amount in a single payment, you can repay the balance you borrowed (including the transparent fees) over 2-6 months.

Are you open 24/7?

Yes! We are 100% online and our fast cash application process is available 24/7/365.

How long does the process take?

Our state of the art application is super simple and requires only a few minutes. If all goes well, then your loan amount will be in your account within an hour or two. And just so you know, our fastest ever funded application took ONLY 94 seconds.

Can I still get a loan with poor credit history or bad credit?

At HANDOUT, we feel all Australians should have the ability to have access to the resources they most need. We take the broader context into perspective when certain other lending institutions only check the credit history of an individual when determining if they are ready to obtain any credit with them.

If you apply for a loan with a direct lender like HANDOUT you should know that we take into account a number of factors when deciding if you will be able to meet your repayments. If you have been turned away for payday loans elsewhere, put your hand out for a HANDOUT loan today!

What can I use my HANDOUT loan for?

HANDOUT loans can be used for any purpose. The most common uses include paying for car repairs, furniture, wedding expenses, gifts, vacations, medical expenses, utility bills or that amazing show you just can't miss. HANDOUT loans are useful for whenever you need now.