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Disclaimer: This article contains factual information only and does not constitute financial advice, a recommendation, or an offer of any kind. It has been prepared without considering your personal objectives, financial situation, or needs. Before taking any action, you should assess whether the information provided is appropriate for your circumstances. If this article discusses the acquisition or potential acquisition of a specific credit product, you should obtain and review the relevant disclosure documents before applying. The information is believed to be accurate as at the date of publication; however, changes in circumstances after this date may affect its accuracy. Any loan figures, interest rates, or lender comparisons used in this article are illustrative examples only and do not represent rates, fees, or products offered by NOW Finance or any specific lender. Actual loan costs will vary depending on your individual circumstances, loan amount, term and interest rate.