Cyber Security


Cyber Security


Being aware and understanding what you need to do if you receive a suspicious email or text message is paramount in securing your personal information. If you receive a suspicious email, document or text message purporting to be from NOW FINANCE you can contact us directly via the following means:

Email us at customerservice@nowfinance.com.au or by calling 1300 275 669.

A phishing email takes information from a legitimate company such as their logo or other information and contains a fake email or website address. The logo or other images used are often blurred. The fake emails are often very similar to the real ones and are designed to trick people into providing their personal information. How to spot phishing emails? Here are a few tips:

– Sender email address: this might be unusual, misspelled or slightly different from the correct version.

– Poor grammar and spelling: This can be a tell-tale sign.

– Suspicious links or fake websites: use your mouse to hover over the link to see the actual web address the link leads to – it could lead to a fake website.

Sophisticated cybercriminals can also use other methods, such as sending SMS text messages in their phishing exercises too. These fraudulent text messages use the same tactics like phishing emails, so be aware.

Our Compliance and Security team monitor this information so that we can protect our customers. If you receive an email with an attachment that asks you to open it, it might actually install malware on to your computer. Do not open these attachments. Simply contact us so that we may be able to assist you further.

We encourage you to consider the following ideas to reduce the risks of being infected:

 

– Do not click on any links or attachments in emails which you do not recognize

– Delete all odd or suspicious emails right away

– Do not send anyone login details or passwords over email.

Things you should know

Applications for finance are subject to NOW FINANCE’s lending and approval criteria. Terms, conditions, fees and charges may apply. For example, there is usually an establishment fee and a monthly administration fee applicable. Settlement times may vary depending on individual circumstances. Loan repayment terms range between 18 months to 7 years.

No Fee Personal Loan: No fees apply only to approved applicants for loan amounts between $5,000 to $15,000. Charges such as default or enforcement costs may apply if you do not comply with the terms of your loan. Interest rates range from 6.95% p.a. (6.95% p.a. comparison rate) to 17.95% p.a. (17.95% p.a. comparison rate). See below for information on comparison rates.

Unsecured and Secured Personal Loans: Unsecured interest rates start from 6.95% p.a. (8.56% p.a. comparison rate) to 17.95% p.a. (19.51% p.a. comparison rate). Secured interest rates start from 5.95% p.a. (7.60% p.a. comparison rate) to 15.45% p.a. (17.07% p.a. comparison rate). See below for information on comparison rates.

*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 no fee personal loans are based on a loan of $10,000 over 3 years. The comparison rates for the NOW FINANCE unsecured and secured personal 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.

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