LOANS FOR ALL OCCASIONS
No fees.
No worries.
Make your next big move today with a no-fee personal loan.
Won’t impact your credit score
Fast and easy completion on your phone
Get a rate in 2 minutes
Still have big ticket items on your to-do list? Tick them off for a chance to win 1 of 5 $1,000 cash prizes!
Dream less. Do more.
Our low-rate personal loan has no fees. So you can focus on what’s important: turning yesterday’s dreams into today’s big moves.
No fees, guaranteed
 | Westpac Unsecured Personal Loan | ANZ Fixed Rate Personal Loan | CBA Fixed Rate Personal Loan | NAB Unsecured Personal Loan | |
|---|---|---|---|---|---|
| Upfront Fee | $0 | $250 | $150 | $250 | $250 |
| Early Exit Fee | $0 | $175 during first 2 years | $300 | $15 | $0 |
| Missed Payment Fee | $0 | $15 | $20 | $20 | $0 |
| Ongoing Fee | $0 | $12 monthly | $10 monthly | $15 monthly | $15 monthly |
Last updated 3rd July 2025. Excludes short term promotional offers.
Getting your loan is easy as…
Our application process is simple and transparent.
1. Get your rate
It takes 2 minutes to get your personalised quote 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
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Repayment Calculator
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Eligibility Checker
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Ready to make your next move?
Get your personalised quote in 2 minutes without impacting your credit score.