Personal Loans & Car Loans

Our Vehicle Loans are secured by your vehicle, which means there are additional setup and registration requirements. The $595 establishment fee covers the cost of securing and registering your car as part of the loan.

Our Personal Loans, whether secured or unsecured, have no fees ever. That means no establishment, monthly, or early repayment fees.

With NOW Finance, you always know exactly what you’ll pay, no hidden fees, no surprises, none of the bank.

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]

No. NOW Finance Personal Loans have no fees, ever.

That means:

• No establishment fee
• No monthly fees
• No extra repayment fees
• No exit fees

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.

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.

NOW Finance offers flexible loan terms from 18 months up to 7 years.

With no fees for extra repayments, no fees for early payout and no fees, ever – you can choose to pay it off fast or slow.

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:

• Meet our loan eligibility criteria,
• Provide bank statements, and
• If the application is approved, verify their identity before the loan is settled.

Applying jointly may help increase your borrowing power.

Yes. But only one. NOW Finance Car Loans have an upfront $595 establishment fee but that’s it, there are no other fees.

That means:

• No monthly fees
• No extra repayment fees
• No exit fees

This simple and transparent approach means you can make extra repayments anytime with no fees or penalties. This helps you pay off your loan faster and save on interest, giving you more flexibility and control over your finances.