💸 Weekly Wins are here 💸
Settle a NOW Finance Personal Loan or Car Loan, for your chance to win $500 cash weekly, plus there’s $1,000 cash up for grabs in our bonus draw.
Get a rate in 2 minutes
Won’t impact your credit score
Fast and easy completion on your phone
How it works
Apply for a loan
Apply for and settle a NOW Finance Personal Loan or Car Loan to automatically enter the draw.
You’re in the draw
Each week, one winner will receive $500 cash into the account linked to their
NOW Finance loan.
$1,000 bonus draw
We’ll automatically enter all settled loans into the bonus draw for the chance to win an extra $1,000 cash.
Eligible loan applications must be submitted between January 5 and March 1 2026 to qualify. If your loan settles, you’ll be automatically entered into the eligible weekly draws within the promotional period. Winners will be notified via email. Prize payments will be made to the bank account linked to the winner’s NOW Finance loan within 5 business days. The promotion is valid until 11:59pm AEST on Sunday, 1 March 2026. Permit No ACT TP 25/02959.
Ready to enter?
Apply today and you’ll automatically be entered into the draw once your loan settles.
Ready to enter?
Apply today and you’ll automatically be entered into the draw once your loan settles.
Everything on your time. Everything with NOW
Take the next step
backed by the right loan.
One of Australia’s most awarded
non-bank personal lenders
When it comes to recognition, we don’t just say we’ve won awards — we’ve been recognised for
putting customers first with fairer, simpler way to borrow.
personal loan repayment calculator
Understand your
borrowing power
Quickly estimate your repayments to
see how our loans can work for you.
It’s easy to get a loan with NOW
It’s quick, secure, and paper-free — from your quote to your cash.
1. Check your rate
It takes 2 minutes to get your personalised quote
without impacting your credit score.
2. Apply online
Complete your online application and get a
response in 2 minutes.
3. Get funds
Access your funds within 24-48 hours of
being
approved.
Customer Stories: real people, real progress
Discover how everyday Australians are achieving their goals with a little help from us
Memories over miles: Our family adventure
After the Covid lockdowns, our NOW Finance loan made it possible to take our two boys to the Philippines to visit my 91-year-old grandma.
Smooth sailing into the next chapter
The NOW Finance team is top-notch, making the process simple and achievable, putting the big banks to shame!
Tying the knot without the stress
With the invaluable assistance of a NOW Finance loan, my husband and I were able to turn our dream wedding and honeymoon in Italy into a remarkable reality.
Memories over miles: Our family adventure
After the Covid lockdowns, our NOW Finance loan made it possible to take our two boys to the Philippines to visit my 91-year-old grandma.
Smooth sailing into the next chapter
The NOW Finance team is top-notch, making the process simple and achievable, putting the big banks to shame!
Tying the knot without the stress
With the invaluable assistance of a NOW Finance loan, my husband and I were able to turn our dream wedding and honeymoon in Italy into a remarkable reality.
The ultimate ride
Thanks to NOW Finance, I finally bought the motorbike of my dreams, my first brand-new bike ever!
The road trip of a lifetime
Thanks to our NOW Finance loan, we consolidated debts and took a once-in-a-lifetime caravan trip around Australia. It wouldn’t have been possible without them!
A life-changing journey
NOW Finance approved my loan in a few days, making my trip to Hua Hin, Thailand, possible. That journey changed my life, I now support the Hutsadin Elephant Foundation, helping rescued elephants.
Rates & Repayments
Fixed repayments
Weekly or fortnightly
repayment options
No early repayment fees
Borrow $5,000–$100,000
Tips & articles
Helpful articles to make your financial journey easier.
Hidden Costs To Watch Out For When Applying For Personal Loans
How Personal Loans Can Be A Stepping Stone To Financial Freedom (If Used Strategically)
Quick Links
Important Information
All applications for finance are subject to NOW Finance’s lending and approval criteria. No fees apply only to new NOW Finance Secured Personal Loans and new NOW Finance Unsecured Personal Loans. An establishment fee of up to $595 applies to NOW Finance Car Loans. If you do not comply with the terms of your loan, we may pass on to you any third-party enforcement or recovery costs incurred by us.
Comparison Rates are designed to help you understand the overall cost of a personal loan by taking into account the interest rate, fees and charges, the loan amount, and the loan term. All comparison rates shown are based on a loan of $30,000 over 5 years for the respective product type referenced.
- Loan terms: 18 months to 7 years
- Loan amount: $5,000 – $50,000 (Unsecured); $15,000 – $100,000 (Secured)
- Interest rates: 5.95% p.a. – 26.95% p.a. (Unsecured); 5.95% p.a. – 21.65% p.a. (Secured)
- Comparison rates: 5.95% p.a. – 26.95% p.a. (Unsecured); 5.95% p.a. – 21.65% p.a. (Secured)
- Loan terms: 18 months to 7 years
- Loan amount: $3,000 to $150,000
- Interest rates: 7.59% p.a. – 15.39% p.a.
- Comparison rates: 8.43% p.a. – 16.29% p.a.
Your personalised quote will provide you with an estimate of your interest rate and repayments. The final rate offered, if one is offered, may differ once you have completed a loan application and told us about your personal financial circumstances and credit history.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Representative example: A borrower with excellent credit taking out a $30,000 NOW Finance Unsecured Personal Loan over 5 years at an interest rate of 5.95% p.a. (5.95% p.a. comparison rate), would pay an estimated total of $34,703.50 using the fortnightly payment option. Rates on offer are subject to change without notice.