Small payments
for big ideas
Low-rate, flexible home improvement payment plans. Get a rate estimate in minutes with no impact on your credit score, and funds settled in as little as 24 hours.
Flexible Payment Plans Made Easy
We work with award-winning finance provider Handypay, so you can access a simple, affordable payment plan and get your home improvement project started today — whether it's air conditioning, electrical work, or a full renovation. Borrow from $2,001 to $100,000 over terms of 1 to 7 years, with no monthly fees and no early repayment penalties.
APPLY NOW WITH HANDYPAY →Quick setup and fast approval
Getting started is simple and fast. Getting started with Handypay is quick — get a rate estimate in minutes with no impact on your credit score. Once approved, funds can be settled in as little as 24 hours, so Otter Air can get on with the job right away. Choose repayments that suit your income: weekly, fortnightly, or monthly.
Who can apply?
- Must be over 18 years old
- Australian citizens or permanent residents
- Must receive employment income (including self-employment)
- Finance must be for personal use only
Finance your project in 3 simple steps
Fill in a quick and easy application online. You'll get your rate estimate in minutes, with no impact on your credit score.
Handypay will call to discuss the available options for you. Once verified and approved, funds can be settled in as little as 24 hours.
Repay on your terms. Repayments are conveniently scheduled in line with your income, so you can reno now – pay later!
A quote won't impact your credit score
Do I qualify for Handypay?
- Australian Citizen or Permanent Resident.
- 18 years of age or older.
- Currently employed.
No early exit or early
repayment fees
Your simple, fast, low-rate payment plan comes with:
- No monthly fees
- No early repayment fees
- No early exit fees
A quote won't impact your credit score
About Handypay – a partner you can trust
Handypay is an award-winning Australian finance provider specialising in flexible home improvement payment plans. With competitive rates, simple online applications, and a dedicated support team, Handypay makes it easy for Perth homeowners to get the work done now and pay it off at a pace that suits them.
No monthly fees. No early repayment penalties. Just straightforward finance so you can focus on your home — not the paperwork.
If your situation changes, Handypay's team is ready to help. Call 1300 436 277 or visit handypay.com.au to discuss your options.
From the moment I called them for a quote we received the best professional and friendly service I have had from any company. They were prompt and nothing was ever too much trouble for them. They did the job quickly and without fuss but also left the place clean. I will always put them at the top of my list to contact for all their services now.
Frequently Asked Questions
How much can I borrow for a payment plan? ⌄
What will my interest rate look like? ⌄
How does Handypay offer lower rates than traditional lenders? ⌄
Will I be charged for paying off my payment plan early? ⌄
How do repayments work? ⌄
Am I eligible for a payment plan? ⌄
To be eligible for a Handypay payment plan you must:
- Be 18 years of age or older
- Be a citizen or permanent resident of Australia
- Have no outstanding or unpaid defaults
- Have no history of bankruptcy, nor be party to court judgment
- Not be in hardship with a different financial provider
- Have a regular income via active employment (employed or self-employed)
- Meet Handypay's credit eligibility criteria
Can I apply for a payment plan if I already have an existing loan? ⌄
BOOK NOW
Send an enquiry and we will contact you as soon as possible.