Personal Loans & Car Loans

DREAM LESS. DO MORE.

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

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Make your Spring a Win 🌻
Apply for an eligible NOW Finance loan by 30 November 2026 and settle to go into a monthly draw to win $1,000.

Everything on your time. Everything with NOW

Take the next step backed by the right loan.

Understand Your Borrowing Power

Loan Repayment Calculator

Estimate your repayments in seconds.

Understand Your Borrowing Power

Repayment Calculator

Estimate your repayments in seconds.

Loan reason
Loan type
$
$
$
$
$
Repayment frequency
Loan term
Your credit score

Estimated repayments
$ 128 .37 per week
Loan Term
5 years
Interest Rate**
12.95% p.a.
Loan Amount
$22,000

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.

Award-winning loans. None of the bank.

Recognised year after year by Finder, Mozo, and WeMoney for simple, no-fee personal loans, and car loans with excellent rates and fees.

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Ready, Set, NOW!

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

Five-star service every step of the way.

Thousands of happy customers.
One goal: to make your loan journey easy.

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2017

5-star reviews

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5-star reviews

It’s easy to get a loan with NOW

It’s quick, secure, and paper-free, from your quote to your cash.

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1. Check your rate

It takes 2 minutes to get your personalised quote without impacting your credit score.

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2. Apply online

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

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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

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#TravelMemories

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.
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#BoatLife

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!
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#Thailand

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.

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Tips & Articles

Helpful articles to make your financial journey easier.

Get your personalised quote in 2 minutes

Apply online in 10 minutes, with funds as soon as 24-48 business hours.