No fees and none of the bank

Make your next big life move with a personalised, no-fees loan.

Secured rates from







Interest rate

Comparison rate*

How it works




Get your rate

Apply online

Money in your account

It takes 2 minutes to get your personalised rate without impacting your credit score.

Complete your online application and get a response in 2 minutes.

Access your funds within 24-48 hours of being approved.


Rates and features

To be eligible to apply, you must meet our eligibility criteria.

  • You're an Australian citizen or permanent resident
  • You're employed and not currently on probation~
  • You have no defaults or prior bankruptcy
  • You have a current Australian drivers licence or current Australian passport
Loan Type
Secured Personal Loan
Interest Rate
6.75% p.a. to 21.65% p.a.
Comparison Rate
6.75% p.a.* to 21.65% p.a.*
Loan Amount
$15,000 - $100,000
Loan Term
1.5 to 7 years

~Note: the minimum employment length for a person who is self-employed is 2 years

Loan Fees
$0 - No Fees


The people's choice

With more than 1,700 5-star reviews, you won’t be the only one loving your loan.

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.


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*).


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’.


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.