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Borrow from $3,000 to $150,000:
Choose from unsecured personal loans, secured personal loans or vehicle loans,
depending on your needs.
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Loan Repayment Calculator
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Understand Your Borrowing Power
Repayment Calculator
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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.
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score.
Thousands of happy customers.
One goal: to make your loan journey easy.
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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.
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No. Getting a quote for a Car Loan or Personal Loan with NOW Finance won’t affect your credit score.
When you request a quote, we perform a soft credit enquiry (known as an Access Seeker check) to check your eligiblity and provide you with a personalised quote. This won’t impact your credit score.
If you decide to proceed with a full loan application, we will do a full credit check (known as a hard enquiry). This may appear on your credit file (as is standard with all lenders) and could impact your credit score.
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.
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:
All with no ongoing fees, no surprises, and none of the bank.
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]
You can use a NOW Finance personal loan for almost any personal purpose. This could include a holiday, home improvements, household furnishings, purchasing or repairing a vehicle, vehicle upgrades, medical or dental expenses, wedding or funeral costs, or sporting equipment.
Unacceptable loan purposes include:
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)
The easiest way to view your loan balance is through the customer portal or the NOW Finance mobile app.
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