Personal Loans & Car Loans

DREAM LESS. DO MORE.

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

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Make your Spring a Win 🌻
Apply for an eligible NOW Finance loan by 30 November 2026 and settle to go into a monthly draw to win $1,000.

Everything on your time.
Everything with NOW

Borrow from $3,000 to $150,000:

Choose from unsecured personal loans, secured personal loans or vehicle loans,
depending on your needs.

Understand Your Borrowing Power

Loan Repayment Calculator

Estimate your repayments in seconds.

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**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.
Award-winning loans. None of the bank.

Recognised year after year by Finder, Mozo, and WeMoney for simple, no-fee personal loans, and car loans with excellent rates and fees.

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Ready, Set, NOW!

Get your personalised quote in 2 minutes without impacting your credit
score.

Five-star service every step of the way.

Thousands of happy customers.
One goal: to make your loan journey easy.

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5-star reviews

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It’s easy to get a loan with NOW

It’s quick, secure, and paper-free, from your quote to your cash.

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1. Check your rate

It takes 2 minutes to get your personalised quote without impacting your credit score.

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2. Apply online

Complete your online application and get a response in 2 minutes.

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3. Get funds

Access your funds within 24-48 hours of being approved.​

Customer Stories: real people, real progress

Discover how everyday Australians are achieving their goals with a little help from us

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#TravelMemories

Memories over miles: Our family adventure

After the Covid lockdowns, our NOW Finance loan made it possible to take our two boys to the Philippines to visit my 91-year-old grandma.
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#DreamRide

The ultimate ride

Thanks to NOW Finance, I finally bought the motorbike of my dreams—my first brand-new bike ever!
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#Thailand

A life-changing journey

NOW Finance approved my loan in a few days, making my trip to Hua Hin, Thailand, possible. That journey changed my life, I now support the Hutsadin Elephant Foundation, helping rescued elephants.

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.

Our Vehicle Loans are secured by your vehicle, which means there are additional setup and registration requirements. The $595 establishment fee covers the cost of securing and registering your car as part of the loan.

Our Personal Loans, whether secured or unsecured, have no fees ever. That means no establishment, monthly, or early repayment fees.

With NOW Finance, you always know exactly what you’ll pay, no hidden fees, no surprises, none of the bank.

Getting a loan with NOW Finance is simple, fast, and completely online, whether you’re looking for a personal loan or a car loan. Here’s how it works:

  1. Get your personalised rate, Check your rate in under 2 minutes with no impact on your credit score.
  2. Apply online, Complete your application and provide a few details about your loan.
  3. Receive funds fast, Once approved and your ID is verified, your funds can be in your account in as little as 24 hours.

All with no ongoing fees, no surprises, 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.

If you’ve forgotten your password, you can reset it by clicking ‘Forgot my password’ on the customer portal login screen. Follow the prompts to reset your password. Tip: Ensure you use the correct email address.

The NOW Finance team are ready to take your questions:

Call Us: 1300 275 669 (Mon-Fri 9am-6pm Sydney/Melbourne time)
Send a question: Click here
Email Us: [email protected]

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.

The easiest way to update your direct repayments is through the customer portal or the NOW Finance mobile app. Alternatively, you can contact us and request a change from our team of personal loan advisors.

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Get your personalised quote in 2 minutes

Apply online in 10 minutes, with funds as soon
as 24-48 business hours.