Why Now Finance
Clear pricing, no hidden surprises and total transparency.
At NOW Finance, we’re driven by a simple principle: only charge fees when it’s fair to do so. We’re upfront about everything, even when fees apply.
Fees vs No Fees: Our approach to fair lending.
Personal Loans
Our Personal Loans come with absolutely no fees. No establishment fees, no monthly fees, no early repayment fees, ever. You only pay interest on what you borrow.
Car Loans
Our Car Loans are secured by your vehicle, and include a standard establishment fee to cover the setup and registration costs. Beyond that, you won’t pay any monthly or early repayment fees, just transparent, upfront costs and your agreed interest rate.
One of Australia’s most awarded non-bank personal lenders
Recognised year after year by Finder, Mozo, and WeMoney, our Personal Loans are known for no fees, fair rates, and a simpler way to borrow.
Personal Loans
Personal Loans: no fees and none of the bank
At NOW Finance, we’re driven by a simple principle: only charge fees when it’s fair to do so. We’re upfront about everything, even when fees apply.
No fees, ever
Weekly or fortnightly repayment options
Fixed rates, no surprises
Simple, fast and fully online
Car Loans
Car Loans: great rates and none of the bank
We apply only standard establishment fee where necessary, with clear, upfront pricing and no hidden costs. Because fairness means transparency.
No ongoing fees
No early repayment fees
Flexible terms (18 months–7 years)
Simple, fast and fully online
It’s easy to get a loan with NOW
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.
- NOW Finance Loans, Explained
To be eligible for a NOW Finance loan, you must:
- Be an Australian citizen or permanent resident (temporary visa holders aren’t eligible).
- Have steady employment as your main income source and not be on probation.
- Self-employed? You’ll need 2 years of business activity.
- Casual role? At least 3 months of employment.
- Have no bankruptcies or unpaid defaults.
- Provide a valid Australian Passport or Driver’s Licence for ID verification.
- Be 18 years or older.
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.
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.
No, NOW Finance does not offer business or commercial loans. Our loans are designed exclusively for personal use.
No. You can get your personalised quote without it impacting your credit score.
To calculate your rate, we’ll carry out a soft enquiry, sometimes called an AccessSeeker check, on your credit file which allows a lender to see your credit score and some other information from your credit history to decide whether they can offer you a loan. A soft enquiry does not impact your credit score.
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