Articles


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
What is a personal loan and how can I get one?
A personal loan can be a great financial option for people in a wide range of circumstances. A perso[...]
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Categories: Personal Loans
What’s the best way to increase my credit rating?
A strong personal credit rating is very much an essential part of modern life. With a strong credit [...]
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Things you should know

Applications for finance are subject to NOW Finance’s lending and approval criteria. Terms and conditions may apply. No establishment, account keeping or early repayment fees will apply to all new personal loans. Charges such as default or enforcement costs may apply if you do not comply with the terms of your loan. Settlement times may vary depending on individual circumstances. Loan repayment terms range between 18 months to 7 years with interest rates ranging from 5.95% p.a. (5.95% p.a. comparison rate*) to 17.95% p.a. (17.95% p.a. comparison rate*).

*About Comparison Rates

The Comparison Rate is designed to help you understand the overall cost of the personal loan. It combines the amount of the loan, loan term, repayment frequency, interest rate, fees and charges into a single rate to show the total true cost of the loan. The comparison rates for the NOW Finance loans are based on a loan of $30,000 over 5 years. WARNING: The comparison rates given are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Due to the fact NOW Finance does not charge any establishment, account keeping or early repayment fees, the true cost of the loan or Comparison Rate will always equal the interest rate quoted.

NOW FINANCE is a trademark of Now Finance Group Pty Ltd ACN 158 703 612 Australian Credit Licence number 425142, as agent for NF Finco 2 Pty Ltd ACN 164 213 030