How it works

A home renovation loan is a type of personal loan designed to help you finance home improvements, repairs, or upgrades. You can use it for almost any project — from kitchen and bathroom remodels to extensions, landscaping, or rebuilding.

With NOW Finance, you can choose between:

• Unsecured Personal Loan: $5,000 – $50,000 (no fees)
• Secured Personal Loan: $15,000 – $100,000 (no fees)

Every loan comes with fixed rates, flexible terms, and no fees ever, giving you clear and manageable repayments.

Yes. A Dental Loan can help you cover the cost of dental surgery and other major procedures. It works like a standard unsecured personal loan:

1. Get your personalised rate: Check your rate online in minutes, with no impact on your credit score.
2. Apply online: Submit your application and supporting details.
3. Receive funds quickly: Once approved, funds are typically available within 24–48 hours.
4. Pay your dentist directly: Use the funds to cover surgery or treatment costs.
5. Repay over time: Make fixed repayments across your chosen term for easier budgeting.

With NOW Finance, there are no fees ever, and you can borrow with confidence, knowing exactly what you’ll repay.

A dental loan can be a smart choice if you:

• Need to cover urgent or high-cost dental treatment.
• Want to spread repayments over time instead of paying everything upfront.
• Prefer a fixed-rate personal loan with no hidden fees or surprises.
• Want to manage essential dental care without putting extra pressure on your finances

NOW Finance deposits the approved funds directly into your bank account, so you can choose any dentist or dental clinic in Australia. Once approved, funds are typically available within 24–48 hours, so you can book treatment with the provider that best suits you.

Yes! You can use your wedding loan to cover the costs of a wedding abroad, including venue hire, catering, and other related expenses. Keep in mind that exchange rates and international transfer fees may apply. To help manage your budget, it’s a good idea to have a clear contract with your overseas venue provider to lock in costs.

Absolutely! Our wedding loans can be used for any wedding, whether it’s your first, second, or beyond. As long as you meet our eligibility requirements, you can apply for a wedding loan whenever you’re ready to make your special day happen.

A Wedding Loan can be used to cover almost every part of your celebration — from the proposal to the honeymoon. Common expenses include:

• Engagement and wedding rings
• Venue hire and catering (including food and beverages)
• Band, DJ, or entertainment
• Ceremony and reception costs
• Photography and videography
• Wedding attire, accessories, hair, and makeup
• Transport and car hire
• Flowers and décor
• Guest accommodation
• Honeymoon or travel expenses

With NOW Finance, you can tailor your loan to fit your plans and budget, with no fees ever and fixed repayments for complete peace of mind.

In some cases, you may be able to claim a tax deduction on the interest portion of your education loan, depending on how the funds were used. For example, if the loan was used to support self-education related to your current job, certain expenses might be deductible.

For personalised advice, it’s best to check the latest guidance on the ATO website or speak with a registered tax accountant to understand what applies to your situation.

No, education loans cannot be transferred or reassigned to another person. The loan agreement is made directly between you and NOW Finance, meaning you’re responsible for all repayments under your name.

If your circumstances change, speak with your NOW Finance personal loan advisor to discuss your options.