No fees and none of the bank

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


Interest rate




Comparison rate*



Unsecured rates from

How it works

Get your rate


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

Apply online


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

Money in your account


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


Rates and features

Interest Rate

6.75% p.a. to 19.95% p.a.

Comparison Rate

Loan Term

1.5 to 7 years

Loan Fees

$0 - No Fees

Loan Amount

$5,000 - $50,000

6.75% p.a.* to 19.95% p.a.*

Loan Type

Unsecured Personal Loan

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

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


The people's choice

With more than 1,900 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 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 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 19.95% p.a. (19.95% p.a. comparison rate*). For secured loans you can borrow between $15,000 to $100,000 with interest rates ranging from 5.75%p.a. (5.75% comparison rate*) to 17.45% p.a. (17.45% 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.

EXAMPLE: 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 $35,349.60 via the weekly payment option. Rates are subject to change.