That's the power of NOW
Australia's first completely no fee personal loan provider
Getting your rate will
not impact your credit score
with award-winning rates from 6.95% p.a. (6.95% p.a. comparison*) for excellent credit
Simple decisions, easy solutions
No Fee Unsecured
Fixed, borrow $5K-$40K
Fixed, borrow $15K-$50K
No Fee Secured
Borrowing can seem daunting, but it doesn't have to be.
With NOW Finance, choose between two key products and tailor your loan to your needs.
No establishment fee, ongoing fees or early payout fee
Single and joint applicant loans available
Terms from 1.5-7 years
No establishment fee, ongoing fees, early payout fee or PPSR fee
Knock up to 2.5% p.a. off your unsecured rate
Terms from 1.5-7 years
To be eligible to apply, you must
be 18 or older
be an Australian citizen or permanent resident
have no current or prior bankruptcies, court judgements 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 licence AND Australian Medicare card (both current)
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.
NOW Finance is a trademark of Now Finance Group Pty Ltd | ACN 158 703 612 Australian Credit Licence number 425142
Things you should know
Applications for finance are subject to NOW Finance’s lending and approval criteria. Terms and conditions may apply. No establishment, account keeping or early repayment fees will apply to all new personal loans. Charges such as default or enforcement costs may apply if you do not comply with the terms of your loan. Settlement times may vary depending on individual circumstances. Loan repayment terms range between 18 months to 7 years with interest rates ranging from 5.95% p.a. (5.95% p.a. comparison rate*) to 17.95% p.a. (17.95% p.a. comparison rate*).
*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 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.
EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with the interest rate of 6.95% p.a. (6.95% p.a. comparison rate), would estimate to a minimum total amount payable of $35,518.60 via the weekly payment option. Rates are subject to change.
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