Personal and Car Loans to help you take action.
Get a rate in 2 minutes
Won’t impact your credit score
Fast and easy completion on your phone
Borrow from $3,000 to $150,000:
Choose from unsecured personal loans, secured personal loans or vehicle loans,
depending on your needs.
Understand Your Borrowing Power
Loan Repayment Calculator
Estimate your repayments in seconds.
Understand Your Borrowing Power
Repayment Calculator
Estimate your repayments in seconds.
Don't know your credit score? Click here to find out.
There are various credit reporting agencies that can hold different information and scores. NOW Finance uses Equifax to determine your credit score and interest rate. You can access your Equifax credit report and credit score by visiting: www.equifax.com.au/personal
**The interest rate and repayment amounts used in this calculator are estimates only. These are based on the loan details and credit score you have provided here, which may be different to the credit score obtained if you submit an application. The final interest rate you are offered may differ once you have completed a loan application and we have assessed your personal circumstances. Applications for finance are subject to NOW Finance’s lending and approval criteria.
Recognised year after year by Finder, Mozo, and WeMoney for simple, no-fee personal loans, and car loans with excellent rates and fees.
Get your personalised quote in 2 minutes without impacting your credit
score.
Thousands of happy customers.
One goal: to make your loan journey easy.
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It’s quick, secure, and paper-free, from your quote to your cash.
It takes 2 minutes to get your personalised quote without impacting your credit score.
Complete your online application and get a response in 2 minutes.
Access your funds within 24-48 hours of being approved.
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You can check your eligibility for a personal or car loan in minutes using our Eligibility Calculator. It’s fast, free, and won’t affect your credit score.
No. NOW Finance Personal Loans have no fees, ever.
That means:
You’ll only ever pay interest on the amount you borrow.
Please note that our Car Loans include a once off establishment fee. Like our Personal Loans, there are no monthly fees, extra repayment or exit fees.
NOW Finance offers flexible loan terms ranging from 18 months (1.5 years) to 7 years (84 months). You can choose a term that suits your budget and goals.
There are no fees for extra repayments or early payout, so you can pay off your loan faster and save on interest if you choose.
You can use the NOW Finance Repayment Calculator to explore different term lengths and find the best option for your budget and goals.
No. Getting a quote for a Car Loan or Personal Loan with NOW Finance won’t affect your credit score.
When you request a quote, we perform a soft credit enquiry (known as an Access Seeker check) to check your eligiblity and provide you with a personalised quote. This won’t impact your credit score.
If you decide to proceed with a full loan application, we will do a full credit check (known as a hard enquiry). This may appear on your credit file (as is standard with all lenders) and could impact your credit score.
At NOW Finance, we want every interaction you have with us to be positive. If you’re not satisfied with your experience with NOW Finance, we’d like to hear from you.
To make a complaint, you can:
Email us: [email protected]
Call us: 1300 275 669 (Mon-Fri 9am-6pm Sydney/Melbourne time)
The easiest way to view your loan balance is through the customer portal or the NOW Finance mobile app.
The NOW Finance team are ready to take your questions:
Call Us: 1300 275 669 (Mon-Fri 9am-6pm Sydney/Melbourne time)
Send a question: Click here
Email Us: [email protected]
Yes, NOW Finance offers joint personal loans for couples living at the same address. Both applicants share equal responsibility for the loan and its repayments.
To apply, select “With my partner” when getting your rate. Both applicants will need to:
Applying jointly may help increase your borrowing power.
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