Apply today
for a chance
to win $5K

Spring your big plans forward and
automatically go in the draw to win!

Terms and Conditions

How to enter


Apply and Settle

Get your personalised quote and apply for a loan.

If approved, sign your contract to receive your funds within 24-48 hours.


Ready for the win! 🎉

That’s it – you’ll automatically be entered into the draw to win $5,000.

We’ll send you a confirmation email 7 days after you settle, letting you know you’re in!


Improve your chances
with extra entries

Once you receive our confirmation email 7 days after you settle, you can receive extra entries to the draw by completing any of the actions listed.


extra entry

Follow any of NOW Finance’s social media accounts: Instagram, Facebook, Tiktok


extra entries

Leave a Google Review for NOW Finance


extra entries

Share our Instagram post on your Instagram story or page and tag @nowfinance


extra entries

Share a picture of how you used your loan and tag @nowfinance on Instagram

Why you should enter

Spring is the season that awakens new possibilities and blossoms growth. To help you spring your big plans forward, we’re excited to offer you a chance to win $5,000.

So, what goal do you want to blossom?

Spring clean your finance

Debt Consolidation

Make your home flourish

Home Renovation Loans

Cruise around with fresh wheels

Car Personal Loans

Embrace new adventure

Travel Loans

Get outdoors with a big new toy

Caravan Personal Loans

Get fresh air with a cool new ride

Boat Personal Loans

A better you
in spring

Medical Loans

Plant a seed to grow your career

Student Loans

Raving reviews & awards

With more than 1,900 5-star reviews, you won’t be the only one loving your loan.

Eligibility criteria

In order to apply for a personal loan, you must fulfill the following eligibility criteria:
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You’re at least 18 years old

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You’re an Australian citizen or permanent resident

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You’re employed and not currently on probation*

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You have no defaults or prior bankruptcy

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You have a current Australian driver’s licence
or current Australian passport

*The minimum employment length for a person who is self-employed is 2 years;
the minimum employment length for a casual position is 6 months

Don’t wait, spring your plans forward.

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

Personal loans, explained

Frequently asked questions

NOW Finance offers unsecured loans, where you can borrow from $5,000 to $50,000, and secured personal loans, where you can borrow from $15,000 to $100,000. A secured loan means you provide an asset as security on the loan.

A personal loan is a loan you can use for just about anything. You can use it to pay for home extensions, debt consolidation or even a holiday. You can get small personal loans or big ones (up to $100,000). You have to repay the loan with interest over a fixed term. NOW Finance offers fixed terms from 18 months to 7 years. For more information, read about how it works.

To get a personal loan in Australia, you first need to select a loan provider. It’s always best to choose a lender with an excellent reputation and glowing customer reviews, such as NOW Finance. If you meet the eligibility criteria, you can apply for a personal loan online. Before you dive in, you can use our repayments calculator to calculate your estimated repayments.

Money from a personal loan is not classed as income, and therefore it is not taxable. A personal loan is a debt. If you choose to use the loan money to generate income, then you will have to pay tax on any profit you make.

Usually, you cannot transfer your personal loan to another person. There’s a good reason for this. All lenders must comply with ASIC’s responsible lending conduct obligations, under which all credit contracts with a consumer must be suitable for that particular consumer’s personal financial situation. If a lender allowed you to transfer your personal loan to another person, the lender would not be meeting their obligation to assess the suitability of the loan for the other person.

You can have more than one personal loan at once. However, if you want to take out a second or third personal loan, your options may be more limited. Your debt to income ratio would be higher, and your financial position would be less advantageous. You should also bear in mind that multiple loans can have a negative impact on your credit score.

If you have more than one personal loan, you should consider NOW Finance’s debt consolidation options.

You can get a free, online copy of your credit report, which will contain your credit rating. Your credit score will be in a “band” — low, fair, good, very good, excellent. Contact a credit reporting agency to obtain your free credit report.

NOW Finance will not charge fees if you pay off your personal loan early. You may even save money on interest, depending on the terms of your credit contract.

Terms and Conditions

The $5,000 give away competition is only available to NOW Finance customers who apply for and settled a new NOW Finance personal loan between 1 September to 30 November 2023.  All applications are subject to NOW Finance’s lending and approval criteria. NOW Finance reserves the right to amend or withdraw the competition at any time without notice. Terms and conditions apply, please see the full terms and conditions here.

Permit No ACT TP 23/01724.1