No fees
and none
of the bank

We’re for your big ideas.

Make your next big move today with Australia’s only no-fee personal lender.


No fees, guaranteed

NOW FinanceWestpac Unsecured Personal LoanANZ Fixed Rate Personal LoanCBA Fixed Rate Personal LoanNAB Unsecured Personal Loan
Upfront Fee$0$250$150$150$150
Early Exit Fee$0$175 during first 2 years$300Fee applies$0
Missed Payment Fee$0$15$20$20$0
Ongoing Fee$0$12 monthly$10 monthly$10 monthly$10 monthly

Last updated 26 July 2022. Excludes short term promotional offers.

Making your
plans reality

Upgrading to a new car? Getting your debt under control?

Whatever your plans, turn “next year” into now with a personalised, no-fees loan.

Getting your loan is easy as…

Our application process is simple and transparent. No hidden fees and no rate surprises.

1. Get your rate

It takes 2 minutes to get your confirmed rate^ without impacting your credit score.

2. Apply online

Complete your online application and get a response in 2 minutes.

3. Money in your account

Access your funds within 24-48 hours of being approved.

Why NOW Finance?

Award-winning loans and none of the bank. Over 32,000 customers have trusted NOW Finance with their next big move.

Knowledge Center

I want to learn about…

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What is a good credit score?

If you have applied for credit or a loan in Australia, you will have a credit score. Depending on the …

New look. New site. Still none of the bank.

At NOW Finance, we’ve never been afraid of change. In fact, adapting to change has been part of our DNA …

Are early pay services replacing payday loans as your biggest financial risk?

Payday loans and other types of short-term borrowing are widely accepted as being potentially dangerous for your finances. As well …

Repayment Calculator

Calculate how much you’ll be repaying.

Eligibility Checker

Check if you qualify to apply.

Ready to make your next move?

Get your personalised rate in 2 minutes without impacting your credit score.