How will you use my personal information?

NOW Finance and the relevant partner will handle your personal information in line with their privacy policies. We may receive information from the partner to track your activity, confirm whether you qualify for cashback and process your payment.

Will using NOW Perks affect my NOW Finance loan?

No. Using NOW Perks does not change the terms of your existing NOW Finance loan. Taking up a separate refinance offer may result in a new loan agreement and different rates, repayments or terms.

Does NOW Finance choose the service provider or product for me?

No. Econnex and LendUs provide the comparison or referral services. You should review the available products, costs, features and terms and decide whether an option suits your needs.

Do I have to choose the cheapest option?

No. You can choose the option that best suits your needs. Consider the price, features, inclusions, contract terms and service offered by each provider before switching.

Is it free to use NOW Perks?

Yes. NOW Finance does not charge a fee to access NOW Perks. You should still review the price, features and terms of any product before deciding whether to switch.

What happens if my contact or bank details change?

Update your details with NOW Finance as soon as possible. Outdated details may delay your cashback payment or prevent us from contacting you.

What happens if my switch is rejected or cannot be completed?

You will not qualify for cashback if the provider rejects, cancels or cannot complete your switch, or if you do not meet the offer requirements.

What if my switch is not tracked?

First, check that you completed the switch through an eligible NOW Perks link. Tracking times vary by offer. If you have not received a confirmation email within the timeframe shown in the offer terms, contact us and provide: – your full name – the offer you used – the date you completed the switch – any relevant order, application or reference number.

What happens if I cancel my new service?

You may no longer qualify for cashback if you: – cancel during the cooling-off period – do not activate or connect the service – do not meet a minimum connection period – do not meet any other requirement in the offer terms.

Repayment Calculator - NOW Finance

Important Information

THINGS YOU SHOULD KNOW:

All applications for finance are subject to NOW Finance’s lending and approval criteria. No fees apply only to new NOW Finance Secured Personal Loans and new NOW Finance Unsecured Personal Loans. An establishment fee of up to $595 applies to NOW Finance Vehicle Loans. If you do not comply with the terms of your loan, we may pass on to you any third-party enforcement or recovery costs incurred by us.

ABOUT COMPARISON RATES:

Comparison Rates are designed to help you understand the overall cost of a personal loan by taking into account the interest rate, fees and charges, the loan amount, and the loan term. All comparison rates shown are based on a loan of $30,000 over 5 years for the respective product type referenced.

NOW FINANCE PERSONAL LOANS:

Loan terms: 18 months to 7 years
Loan amount: $5,000 – $50,000 (Unsecured); $15,000 – $100,000 (Secured)
Interest rates: 5.95% p.a. – 26.95% p.a. (Unsecured); 5.95% p.a. – 21.65% p.a. (Secured)
Comparison rates: 5.95% p.a. – 26.95% p.a. (Unsecured); 5.95% p.a. – 21.65% p.a. (Secured)

NOW FINANCE VEHICLE LOANS:

Loan terms: 18 months to 7 years
Loan amount: $3,000 to $150,000
Interest rates: 7.59% p.a. – 15.39% p.a.
Comparison rates: 8.43% p.a. – 16.29% p.a.

ABOUT PERSONALISED QUOTES:

Your personalised quote will provide you with an estimate of your interest rate and repayments. The final rate offered, if one is offered, may differ once you have completed a loan application and told us about your personal financial circumstances and credit history.

WARNING: This comparison rate is 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. Representative example: A borrower with excellent credit taking out a $30,000 NOW Finance Unsecured Personal Loan over 5 years at an interest rate of 5.95% p.a. (5.95% p.a. comparison rate), would pay an estimated total of $34,703.50 using the fortnightly payment option. Rates on offer are subject to change without notice.

Repayment Calculator

Estimate your repayments instantly

Wondering what your repayments could look like?

“I want to borrow $15,000 and repay it over 3 years, how much will that cost me?"

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