Loan eligibility checker
Not sure if you’re eligible?
Check if you meet our eligibility criteria:
Personal Loans, explained
How much can I borrow with a personal loan?
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.
What is a personal 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.
What happens when you pay off a personal loan early?
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.
Personal Loans, explained
How much can I borrow with a personal loan?
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.
What is a personal 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.
What happens when you pay off a personal loan early?
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.
How much can I borrow with a personal loan?
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.
What is a personal 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.
What happens when you pay off a personal loan early?
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.
Loan eligibility checker, explained
Loan eligibility checker, explained
Loan eligibility checker, explained
How do I check if I’m eligible for a loan?
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.
What criteria do I need to meet?
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.
Does this affect my credit score?
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.
Does this affect my credit score?
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.
Does this affect my credit score?
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.
Loan eligibility checker
Who can apply for a loan?
meet the following criteria:
You’re an Australian citizen or permanent resident.
Unfortunately, we can’t accept applications from temporary visa holders.
Your employment is your primary source of income and you’re not on probation.
If you’re self-employed, you’ll need at least 2 years of business activity.
If you’re in a casual role, you’ll need to have been working for at least 3 months.
You haven’t had a bankruptcy or unpaid defaults.
Having a clean credit history helps us assess your application faster and gives you a better chance of approval.
You have a valid form of ID
A current ID — either an Australian Passport or a valid Australian Driver’s Licence — allows us to confirm your identity securely and keep your application safe.
You’re at least 18 years old.
Important Information
THINGS YOU SHOULD KNOW
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.
*ABOUT COMPARISON RATES
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.
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.
Loan Terms and Amounts
1- NOW Finance Personal Loans:
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)
2- NOW Finance Car Loans
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.
ABOUT PERSONALISED QUOTES
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.