How do I get a loan with NOW Finance?

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: Get your personalised rate, Check your rate in under 2 minutes with no impact on your credit score. Apply online, Complete your application and provide a few details about your loan. Receive funds fast, Once approved and your ID is verified, your funds can be in your account in as little as 24 hours. All with no ongoing fees, no surprises, and none of the bank.

What criteria do I need to meet to apply for a loan?

To be eligible for a NOW Finance loan, you must: Be an Australian citizen or permanent resident (temporary visa holders aren’t eligible). Have steady employment as your main income source and not be on probation. Self-employed? You’ll need 2 years of business activity. Casual role? At least 3 months of employment for our Personal Loans, 6 months for our Vehicle Loans. Have no bankruptcies or unpaid defaults. Provide a valid Australian Passport or Driver’s Licence for ID verification. Be 18 years or older.

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

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Everything with NOW

Borrow from $3,000 to $150,000: 
Choose from unsecured personal loans, secured personal loans or vehicle loans,
depending on your needs.

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**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.

Five-star service every step of the way.

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

It’s easy to get a loan with NOW

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

Customer Stories: real people, real progress

Discover how everyday Australians are achieving their goals with a little help from us

#CaravanAustralia

The road trip of a lifetime

Thanks to our NOW Finance loan, we consolidated debts and took a once-in-a-lifetime caravan trip around Australia. It wouldn’t have been possible without them!

#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.

#WeddingDreams

Tying the knot without the stress

With the invaluable assistance of a NOW Finance loan, my husband and I were able to turn our dream wedding and honeymoon in Italy into a remarkable reality.

You can use a personal loan for a range of personal purposes including buying a new car, going on a holiday, renovating your home or consolidating your debts.

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.

No, NOW Finance does not offer business or commercial loans. Our loans are designed exclusively for personal use.

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:

Get your personalised rate, Check your rate in under 2 minutes with no impact on your credit score.
Apply online, Complete your application and provide a few details about your loan.
Receive funds fast, Once approved and your ID is verified, your funds can be in your account in as little as 24 hours.

All with no ongoing fees, no surprises, and none of the bank.

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.

To be eligible for a NOW Finance loan, you must:

Be an Australian citizen or permanent resident (temporary visa holders aren’t eligible).
Have steady employment as your main income source and not be on probation.
Self-employed? You’ll need 2 years of business activity.
Casual role? At least 3 months of employment for our Personal Loans, 6 months for our Vehicle Loans.
Have no bankruptcies or unpaid defaults.
Provide a valid Australian Passport or Driver’s Licence for ID verification.
Be 18 years or older.

If you’ve forgotten your password, you can reset it by clicking ‘Forgot my password’ on the customer portal login screen. Follow the prompts to reset your password. Tip: Ensure you use the correct email address.

The easiest way to update your direct repayments is through the customer portal or the NOW Finance mobile app. Alternatively, you can contact us and request a change from our team of personal loan advisors.

NOW Finance offers flexible loan terms ranging from 18 months (1.5 years) to 7 years (84 months). You can choose a term that suits your budget and goals.

There are no fees for extra repayments or early payout, so you can pay off your loan faster and save on interest if you choose.

You can use the NOW Finance Repayment Calculator to explore different term lengths and find the best option for your budget and goals.

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