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 24 March 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…

Category Dropdown Custom Labels

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 …

Are credit cards as good as they used to be? 

Is credit card usage in decline in Australia?  The answer is interesting and multi-faceted.  The number of active credit card …

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.