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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.
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Access your funds within 24-48 hours of being approved.
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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:
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.
You can get a personalised quote in just 2 minutes, without impacting your credit score.
Once you submit your full application, our initial assessment usually takes around 2 minutes. Once your application is approved and your identity has been verified, funds can be transferred to your account in as little as 24 hours. Once you submit an application, you’ll receive a personalised quote in just 2 minutes without affecting your credit score. If you decide to proceed, most applications are assessed within 1-2 business days, and if everything’s in order, your funds can be transferred to your account in as little as 24 hours.
No, NOW Finance does not offer business or commercial loans. Our loans are designed exclusively for personal use.
Our Vehicle Loans are secured by your vehicle, which means there are additional setup and registration requirements. The $595 establishment fee covers the cost of securing and registering your car as part of the loan.
Our Personal Loans, whether secured or unsecured, have no fees ever. That means no establishment, monthly, or early repayment fees.
With NOW Finance, you always know exactly what you’ll pay, no hidden fees, no surprises, none of the bank.
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:
Getting a loan with NOW Finance is simple, fast, and completely online, whether you’re looking for a personal loan or a car loan. Here’s how it works:
All with no ongoing fees, no surprises, and none of the bank.
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