Personal Loans & Car Loans

DREAM LESS. DO MORE.

Personal and Car Loans to help you take action.

Get a rate in 2 minutes

Won’t impact your credit score

Fast and easy completion on your phone

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Everything on your time. Everything with NOW

Take the next step backed by the right loan.

Understand Your Borrowing Power

Loan Repayment Calculator

Estimate your repayments in seconds.

Understand Your Borrowing Power

Repayment Calculator

Estimate your repayments in seconds.

Loan reason
Loan type
$
$
$
$
$
Repayment frequency
Loan term
Your credit score

Estimated repayments
$ 128 .37 per week
Loan Term
5 years
Interest Rate**
12.95% p.a.
Loan Amount
$22,000

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.

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.

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Ready, Set, NOW!

Get your personalised quote in 2 minutes without impacting your credit
score.

Five-star service every step of the way.

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

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5-star reviews

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5-star reviews

It’s easy to get a loan with NOW

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

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1. Check your rate

It takes 2 minutes to get your personalised quote without impacting your credit score.

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2. Apply online

Complete your online application and get a response in 2 minutes.

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3. Get funds

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

Customer Stories: real people, real progress

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

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#TravelMemories

Memories over miles: Our family adventure

After the Covid lockdowns, our NOW Finance loan made it possible to take our two boys to the Philippines to visit my 91-year-old grandma.
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#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.
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#BoatLife

Smooth sailing into the next chapter

The NOW Finance team is top-notch, making the process simple and achievable, putting the big banks to shame!
NOW Finance and the relevant partner will handle your personal information in line with their privacy policies. We may receive information from the partner to track your activity, confirm whether you qualify for cashback and process your payment.
No. Using NOW Perks does not change the terms of your existing NOW Finance loan. Taking up a separate refinance offer may result in a new loan agreement and different rates, repayments or terms.
No. Econnex and LendUs provide the comparison or referral services. You should review the available products, costs, features and terms and decide whether an option suits your needs.
No. You can choose the option that best suits your needs. Consider the price, features, inclusions, contract terms and service offered by each provider before switching.
Yes. NOW Finance does not charge a fee to access NOW Perks. You should still review the price, features and terms of any product before deciding whether to switch.
Update your details with NOW Finance as soon as possible. Outdated details may delay your cashback payment or prevent us from contacting you.
You will not qualify for cashback if the provider rejects, cancels or cannot complete your switch, or if you do not meet the offer requirements.
First, check that you completed the switch through an eligible NOW Perks link. Tracking times vary by offer. If you have not received a confirmation email within the timeframe shown in the offer terms, contact us and provide: – your full name – the offer you used – the date you completed the switch – any relevant order, application or reference number.
You may no longer qualify for cashback if you: – cancel during the cooling-off period – do not activate or connect the service – do not meet a minimum connection period – do not meet any other requirement in the offer terms.

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Get your personalised quote in 2 minutes

Apply online in 10 minutes, with funds as soon as 24-48 business hours.