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Kick life's big goals with a NOW Finance personal loan

No fees on loans up to $100,000

Rates from 4.45% p.a. (comparison 4.45% p.a.*)

Repay your loan over 1.5 to 7 years

Getting your rate will not affect your credit score

Know exactly what you're applying for

We believe in transparency. 

Our No Fee Unsecured Personal Loan allows you to check if you're eligible, get your guaranteed rate, and know your exact repayments before you apply.

NOW FinanceNo Fee UnsecuredPersonal Loan

17.95%

5.95%

p.a.

capped at

rates from

p.a.

17.95%

5.95%

comparison

p.a.*

comparison

p.a.*

No establishment fee, ongoing fees or early repayment fees

Single and joint applicant loans available

Terms from 1.5-7 years

Borrow $5k-$50k

Use your vehicle to get even more value

Receive up to 2.5% p.a. off your unsecured rate when you secure your loan.

NOW FinanceNo Fee SecuredPersonal Loan

4.45%

15.45%

capped at

rates from

p.a.

p.a.

4.45%

15.45%

comparison

p.a.*

comparison

p.a.*

No establishment fee, ongoing fees, early payout fee or PPSR fee

Borrow $15k - $100k

Terms from 1.5-7 years

Give yourself the best chance of success

Go through the below checklist before you apply to make sure you're eligible. 

I am between 18-65 years old and am an Australian citizen/permanent resident

I have no current or prior bankruptcies, court judgements or defaults

I am currently employed full-time or part-time, or run a business

I have an Australian passport or an Australian driver's licence and Medicare card 

Want to further maximise your chance of approval?

We also recommend you make sure your credit score is healthy, your credit report is accurate, and you can comfortably afford the repayments for the amount you intend to borrow before applying for credit. 

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.


 Australian passport must either be current or within 24 months' expiry if used as the primary form of identification. Medicare card and Australian driver's licence must both be current at the time of application to be accepted as valid forms of ID.

What fans of NOW Finance are saying

CALL 1300 275 669

9AM- 6PM (AEDT) MON-FRI

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

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. 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. For unsecured loans you can borrow between $5,000 to $40,000 with interest rates ranging from 6.95% p.a. (6.95% p.a. comparison rate*) to 17.95% p.a. (17.95% p.a. comparison rate*). For secured loans you can borrow between $15,000 to $100,000 with interest rates ranging from 5.45%p.a. (5.45% comparison rate*) to 15.45% p.a. (15.45% 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. Due to the fact NOW Finance does not charge any establishment, account keeping or early repayment fees, the true cost of the loan or 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 6.95% 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.