Personal Loans & Car Loans

• Valid ID document: current Australian Driver’s licence or passport
• Bank Statements: proof of your financial incomings, outgoings and savings
• Recent payslips of proof of income
• Employment details: proof of employment for more than 12 months

You can check your eligibility for a personal or car loan in minutes using our Eligibility Calculator. It’s fast, free, and won’t affect your credit score.

NOW Finance offers flexible loan terms ranging from 18 months (1.5 years) to 7 years (84 months). You can choose a term that suits your budget and goals.

There are no fees for extra repayments or early payout, so you can pay off your loan faster and save on interest if you choose.

You can use the NOW Finance Repayment Calculator to explore different term lengths and find the best option for your budget and goals.

You can get a personalised quote in just 2 minutes, without impacting your credit score.

Once you submit your full application, our initial assessment usually takes around 2 minutes. Once your application is approved and your identity has been verified, funds can be transferred to your account in as little as 24 hours. Once you submit an application, you’ll receive a personalised quote in just 2 minutes without affecting your credit score. If you decide to proceed, most applications are assessed within 1-2 business days, and if everything’s in order, your funds can be transferred to your account in as little as 24 hours.

Almost . All NOW Finance Personal Loans, whether secured or unsecured, come with no fees ever. That means no establishment, monthly, or early repayment fees, just transparent loans with a fixed interest rate.

Our Vehicle Loans include a $595 establishment fee to cover vehicle setup and registration costs. Beyond that, there are no additional fees or extra charges.

With NOW Finance, every loan is designed to be clear, fair, and none of the bank.

At NOW Finance, we want every interaction you have with us to be positive. If you’re not satisfied with your experience with NOW Finance, we’d like to hear from you.

To make a complaint, you can:
Email us: [email protected]
Call us: 1300 275 669 (Mon-Fri 9am-6pm Sydney/Melbourne time)

Yes, NOW Finance offers joint personal loans for couples living at the same address. Both applicants share equal responsibility for the loan and its repayments.

To apply, select “With my partner” when getting your rate. Both applicants will need to:

• Meet our loan eligibility criteria,
• Provide bank statements, and
• If the application is approved, verify their identity before the loan is settled.

Applying jointly may help increase your borrowing power.

NOW Finance offers flexible loan terms from 18 months up to 7 years.

With no fees for extra repayments, no fees for early payout and no fees, ever – you can choose to pay it off fast or slow.