Personal and Car Loans to help you take action.
Get a rate in 2 minutes
Won’t impact your credit score
Fast and easy completion on your phone
Take the next step backed by the right loan.
Understand Your Borrowing Power
Loan Repayment Calculator
Estimate your repayments in seconds.
Understand Your Borrowing Power
Repayment Calculator
Estimate your repayments in seconds.
Don't know your credit score? Click here to find out.
There are various credit reporting agencies that can hold different information and scores. NOW Finance uses Equifax to determine your credit score and interest rate. You can access your Equifax credit report and credit score by visiting: www.equifax.com.au/personal
**The interest rate and repayment amounts used in this calculator are estimates only. These are based on the loan details and credit score you have provided here, which may be different to the credit score obtained if you submit an application. The final interest rate you are offered may differ once you have completed a loan application and we have assessed your personal circumstances. Applications for finance are subject to NOW Finance’s lending and approval criteria.
Recognised year after year by Finder, Mozo, and WeMoney for simple, no-fee personal loans, and car loans with excellent rates and fees.
Get your personalised quote in 2 minutes without impacting your credit
score.
Thousands of happy customers.
One goal: to make your loan journey easy.
5-star reviews
5-star reviews
It’s quick, secure, and paper-free, from your quote to your cash.
It takes 2 minutes to get your personalised quote without impacting your credit score.
Complete your online application and get a response in 2 minutes.
Access your funds within 24-48 hours of being approved.
Discover how everyday Australians are achieving their goals with a little help from us
The road trip of a lifetime
A life-changing journey
Smooth sailing into the next chapter
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.
No. NOW Finance Personal Loans have no fees, ever.
That means:
You’ll only ever pay interest on the amount you borrow.
Please note that our Car Loans include a once off establishment fee. Like our Personal Loans, there are no monthly fees, extra repayment or exit fees.
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:
Applying jointly may help increase your borrowing power.
No, NOW Finance does not offer business or commercial loans. Our loans are designed exclusively for personal use.
Yes, you may be able to refinance your NOW Finance Personal Loan to better suit your current financial situation. Refinancing means replacing your existing loan with a new one, which may offer lower interest rates, different repayment terms and access additional funds.
You might consider refinancing if your credit score has improved, your income has increased, or market rates have dropped.
Please note that refinancing involves a new credit assessment and credit check, and eligibility depends on your existing loan balance and our lending criteria. There is a minimum additional lend of $3,000 required to refinance an existing loan. Make sure to review your personal circumstances and the loan terms to ensure refinancing is suitable for you.
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.
The easiest way to view your loan balance is through the customer portal or the NOW Finance mobile app.
You sure can, and there are no exit fees.
See all (COUNT) articles
Helpful articles to make your financial journey easier.
Get your personalised quote in 2 minutes
Apply online in 10 minutes, with funds as soon as 24-48 business hours.