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    No fees, guaranteed.

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    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.

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    1. Get your rate

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

    2. Apply online

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    3. Money in your account

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

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    Why NOW Finance?

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

    See more reasons
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    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 …

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