Personal Loans & Car Loans

The easiest way to view your loan balance is through the customer portal or the NOW Finance mobile app.

You can use a NOW Finance personal loan for almost any personal purpose. This could include a holiday, home improvements, household furnishings, purchasing or repairing a vehicle, vehicle upgrades, medical or dental expenses, wedding or funeral costs, or sporting equipment.

Unacceptable loan purposes include:

• Mortgage, rent or credit arrears
• Tax debts
• Payment of defaults or court judgements
• Business purposes

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.

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.

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.

Almost . All NOW Finance Personal Loans, whether secured or unsecured, come with no fees ever. That means no establishment, monthly, or early repayment fees, just transparent loans with a fixed interest rate.

Our Vehicle Loans include a $595 establishment fee to cover vehicle setup and registration costs. Beyond that, there are no additional fees or extra charges.

With NOW Finance, every loan is designed to be clear, fair, and none of the bank.

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 documents required may vary depending on your financial situation, but you’ll generally need to provide:

• A current ID, either an Australian Passport or a valid Australian Driver’s Licence
• Recent bank statements showing your income, expenses, and savings
• Payslips or proof of income
• Employment details, including at least 12 months of history where applicable

Having these documents ready helps speed up your loan assessment and ensures a smoother application process.