Cyber Security
Cyber Security Statement
NOW Finance is ISO27001 certified, demonstrating our commitment to the highest international standards for information security management.
Cyber security remains a core pillar of our strategy, seamlessly integrated into our daily operations and supported by a robust Information Security Management System that has been independently audited and certified to ISO 27001.
We proactively safeguard our systems and customer data through continuous monitoring, analysis, and rapid response to emerging threats and cyber incidents. Our security approach is anchored in industry best practices, with comprehensive, up-to-date controls designed to protect customer and employee information at every stage. We collaborate with leading independent cyber security experts who regularly assess our controls against global standards, including ISO 27001, the Australian Cyber Security Council’s Essential 8, and the NIST Cybersecurity Frameworks.
Our multi-layered security measures include firewalls, virtual private networks, multi-factor authentication, encryption, access management, email security, malware detection, application control, and endpoint protection. These controls are rigorously tested, frequently updated, and supported by timely patching of critical vulnerabilities. Security monitoring is in place 24/7, managed by a dedicated team of cyber security professionals. All staff receive regular cyber security training and testing, fostering a strong culture of cyber awareness throughout the organization.
Achieving and maintaining ISO 27001 certification provides our customers and partners with enhanced confidence in NOW Finance’s ability to protect sensitive information, ensure regulatory compliance, and deliver secure, reliable financial services.
If you require further information regarding NOW Finance’s cyber security policies, or have any security related concerns, please reach us via email: security@nowfinance.com.au.
Important Information
All applications for finance are subject to NOW Finance’s lending and approval criteria. No fees apply only to new NOW Finance Secured Personal Loans and new NOW Finance Unsecured Personal Loans. An establishment fee of up to $595 applies to NOW Finance Car Loans. If you do not comply with the terms of your loan, we may pass on to you any third-party enforcement or recovery costs incurred by us.
Comparison Rates are designed to help you understand the overall cost of a personal loan by taking into account the interest rate, fees and charges, the loan amount, and the loan term. All comparison rates shown are based on a loan of $30,000 over 5 years for the respective product type referenced.
- Loan terms: 18 months to 7 years
- Loan amount: $5,000 – $50,000 (Unsecured); $15,000 – $100,000 (Secured)
- Interest rates: 5.95% p.a. – 26.95% p.a. (Unsecured); 5.95% p.a. – 21.65% p.a. (Secured)
- Comparison rates: 5.95% p.a. – 26.95% p.a. (Unsecured); 5.95% p.a. – 21.65% p.a. (Secured)
- Loan terms: 18 months to 7 years
- Loan amount: $3,000 to $150,000
- Interest rates: 7.59% p.a. – 15.39% p.a.
- Comparison rates: 8.43% p.a. – 16.29% p.a.
Your personalised quote will provide you with an estimate of your interest rate and repayments. The final rate offered, if one is offered, may differ once you have completed a loan application and told us about your personal financial circumstances and credit history.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Representative example: A borrower with excellent credit taking out a $30,000 NOW Finance Unsecured Personal Loan over 5 years at an interest rate of 5.95% p.a. (5.95% p.a. comparison rate), would pay an estimated total of $34,703.50 using the fortnightly payment option. Rates on offer are subject to change without notice.