Articles


What are the alternatives to bankruptcy?
Being declared bankrupt is a serious matter, and it can have far reaching consequences for yourself [...]
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Categories: Bankruptcy, Money Matters
What are the effects of bankruptcy?
Being declared bankrupt, irrespective of whether you declare yourself bankrupt or become bankrupt fo[...]
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Categories: Bankruptcy
What does a credit file contain?
Once you know all the information contained within your credit file, you can then tailor your financ[...]
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Categories: Credit Reports & Ratings
What is a part IX Debt Agreement and how is it different to bankruptcy?
A debt agreement is a binding agreement between a debtor and their creditors. Debt agreements are wh[...]
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Categories: Bankruptcy, Debt Management
What is bankruptcy?
Under Australian Law, personal bankruptcy laws are covered under the Bankruptcy Act 1966 (Cth). The [...]
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Categories: Bankruptcy, Debt Management
What is interest and why does it change?
Understanding why different individuals are offered different interest rates on the same loan can be[...]
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Categories: Interest Rates, Personal Loans IQ
What to do when you can’t pay your debts
Not being able to pay your debts is a difficult position to find yourself in. Unfortunately, when pe[...]
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Categories: Debt Management
When might you need a good credit report?
News outlets regularly run features on personal finance matters and the importance of a good credit [...]
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Which debts are not released via bankruptcy?
It is a common misconception that when you are discharged from a bankruptcy you are ‘debt free.’[...]
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Categories: Bankruptcy, Debt Management
6 questions everyone should ask before applying for a personal loan
Personal loans are a popular and simple product that many Australians will use throughout their life[...]
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Categories: Personal Loans, Personal Loans IQ

Approved customers only. Terms, conditions, fees and charges apply. All applications are subject to NOW FINANCE’s lending and approval criteria. Settlement times may vary depending on circumstances. Loan repayment terms range from 18 months to 7 years. Interest rates range from 7.45% p.a. (9.07% p.a. comparison rate) to 16.95% p.a. (18.53% p.a. comparison rate).

*Comparison rates are based on a loan of $30,000 over 5 years.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with the interest rate of 7.45% p.a. (9.07% p.a. comparison rate), would estimate to a minimum total amount payable of $37,741.60 via the weekly payment option (including a $495 establishment fee and $13 per month administration fee). Rates are subject to change.

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