Personal Loans

Great rates, no fees

Unsecured rates NOW from 6.95% p.a. (6.95% p.a. comparison) with no fees on loans up to $15,000^

Getting your rate will

not impact your credit score

Choose a loan that suits your needs

borrow $5K-$15K

No Fee

Personal Loan

rates from

comparison

capped at

comparison

6.95%

6.95%

17.95%

17.95%

p.a.

p.a.^

p.a.

p.a.^

No fees, ever!

Terms from 1.5-7 years

A great first personal loan

rates from

comparison

capped at

comparison

6.95%

8.57%

17.95%

19.53%

p.a.

p.a.*

p.a.

p.a.*

Unsecured Personal Loan

borrow $15K-$40K

Borrow up to $40,000

Terms from 1.5-7 years

Joint loans available

rates from

comparison

5.95%

p.a.

7.60%

p.a.*

capped at

comparison

15.45%

17.07%

p.a.*

p.a.

borrow $15K-$50K

Secured Personal Loan

Borrow up to $50,000

Terms from 1.5-7 years

Knock up to 2% off your unsecured rate†

With the introduction of our no fee personal loan, there are even more opportunities to tailor your loan to your personal circumstances!

To be eligible to apply, you must

be 18 years or older

be an Australian citizen or permanent resident

have no current or prior bankruptcies, court judgments or defaults

be employed as a full-time, permanent part-time, or self-employed person*

have acceptable ID, either: An Australian passport (current or within 24 months' expiry), OR an Australian driver's license AND Australian Medicare card (both current)

*Your employment must not be subject to probation. Self-employed applicants must have a tenure of 24 months or more. It is important that you take into consideration whether your regular income and expenses can comfortably accommodate the additional expense of a personal loan before you submit a formal application.

Join thousands of happy customers

NOW FINANCE is a trademark of Now Finance Group Pty Ltd | ACN 158 703 612 Australian Credit Licence number 425142

Approved customers only. Terms, conditions, fees and charges apply. All applications are subject to NOW FINANCE’s lending and approval criteria. Settlement times may vary depending on circumstances.


*Comparison rates are based on a loan of $30,000 over 5 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Loan repayment terms range from 18 months to 7 years. Interest rates range from 6.95% p.a. (8.57% p.a. comparison rate) to 17.95% p.a. (19.53% p.a. comparison rate).


^ Comparison rates are based on a loan of $10,000 over 3 years. Loan repayment terms range from 18 months to 7 years. 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). No fees apply only to approved loan amounts between $5,000 to $15,000. Other fees including late payment fees and dishonour fees may apply.


†Secured loans discount ranges between 1-2% p.a. off the applicable unsecured interest rate.


EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with the interest rate of 6.95% p.a. (8.57% p.a. comparison rate), would estimate to a minimum total amount payable of $36,883.60 via the weekly payment option (including a $495 establishment fee and $13 per month administration fee). Rates are subject to change.

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