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Eligibility Calculator

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Are you an Australian Citizen or Permanent Resident?*

No

Yes

Temporary Visa holders not applicable.

Are you currently employed (full time / part time / casual) and not on probation?*

No

Yes

Self Employed tenure must be greater than 24 months. Casual tenure must be greater than 3 months.

You have no defaults (paid or unpaid) and have not been bankrupt or have a court judgement against you.*

No

Yes

Centrelink is not your primary form of income.*

No

Yes

Centrelink can be a secondary income to PAYG.

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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 fees only apply to new NOW Finance personal 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. Loan repayment terms range between 18 months to 7 years. For unsecured personal loans you can borrow between $5,000 to $50,000 with interest rates ranging from 6.75% p.a. (6.75% p.a. comparison rate*) to 26.95% p.a. (26.95% p.a. comparison rate*). For secured personal loans you can borrow between $15,000 to $100,000 with interest rates ranging from 6.75% p.a. (6.75% p.a. comparison rate*) to 21.65% p.a. (21.65% p.a. comparison rate*).

*ABOUT COMPARISON RATES
The Comparison Rate is designed to help you understand the overall cost of the personal loan by taking into account fees and charges, the loan amount and the term 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. NOW Finance does not charge any fees so the Comparison Rate will always equal the interest rate quoted.

Representative example: For a borrower with excellent credit, an unsecured personal loan of $30,000 borrowed for 5 years with the interest rate of 6.75% p.a. (6.75% p.a. comparison rate), would estimate to a minimum total amount payable of $35,430 via the fortnightly payment option. Rates are subject to change. NOW Finance does not charge any additional fees for its personal loans, included but not limited to ‘Upfront Fees’, ‘Break Cost Fees’ or ‘Late Fees’.

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

1300 275 669

Monday – Friday: 9am – 6pm
(Sydney / Melbourne time)

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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.