Joint Personal Loans
Borrow together
to achieve more
Combine your strengths for a shared goal.
Get a rate in 2 minutes
Won’t impact your credit score
Fast and easy completion on your phone
Everything on your time. Everything with NOW
Take the next step backed by the right loan.
Ways to Use Your Loan
What can you use a Joint Personal Loan for?
A joint personal loan is a type of loan where two applicants apply together. Both people share responsibility for repayments and benefit from the combined borrowing power of their incomes and credit histories.
Debt Consolidation
Combine your debts into one simple loan and take back control.
Home Renovation
Upgrade your space. From kitchens to gardens and everything between.
Travel
Book that dream holiday, visit family, or take a well-earned break.
Medical & Dental
Cover unexpected or planned medical, dental, or cosmetic expenses.
And more...
Weddings, Funerals, Education / Study & Other Needs (Tech, etc.)
Check your rate in minutes
Get a personalised rate and explore loan options that fit your plans.
Recognised year after year by Finder, Mozo, and WeMoney, our Personal Loans are known for no fees, fair rates, and a simpler way to borrow.
It’s quick, secure, and paper-free, from your quote to your cash.
It takes 2 minutes to get your personalised quote 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 & Repayments
Greater borrowing power
Combining your incomes may help you borrow more and reach your goals together.
Potential for better rates
We will base our quote on who has the best credit profile which can lead to more competitive rates.
Easier Repayments
With two incomes contributing, repayments may be easier to manage and more achievable.
Reach goals together
From home renovations to travel, you can fund shared dreams.
Find the right loan to
power your next big move
Unsecured
Personal Loan
Whether it’s paying off existing debt, funding something special, or covering unexpected costs, our Unsecured Personal Loan makes it easy to borrow what you need with no security required.
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Secured
Personal Loan
When you’re planning something big and want more borrowing power, a Secured Personal Loan could be the right fit. By offering an asset as security, you may be able to access a lower rate or a higher loan amount.
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See how much you could borrow together
Estimate your repayments and plan with confidence.
Use our Repayment Calculator to see what your repayments could look like based on your borrowing amount and loan term.
Get your personalised quote in 2 minutes without impacting your credit score.
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Discover how everyday Australians are achieving their goals with a little help from us
Memories over miles: Our family adventure
Smooth sailing into the next chapter
Tying the knot without the stress
- NOW Finance Loans, Explained
Absolutely! Our wedding loans can be used for any wedding, whether it’s your first, second, or beyond. As long as you meet our eligibility requirements, you can apply for a wedding loan whenever you’re ready to make your special day happen.
A Wedding Loan can be used to cover almost every part of your celebration — from the proposal to the honeymoon. Common expenses include:
- Engagement and wedding rings
- Venue hire and catering (including food and beverages)
- Band, DJ, or entertainment
- Ceremony and reception costs
- Photography and videography
- Wedding attire, accessories, hair, and makeup
- Transport and car hire
- Flowers and décor
- Guest accommodation
- Honeymoon or travel expenses
With NOW Finance, you can tailor your loan to fit your plans and budget, with no fees ever and fixed repayments for complete peace of mind.
With NOW Finance, you can borrow between $5,000 and $50,000 for unsecured loans, or up to $100,000 for secured loans, to cover your travel plans, from flights and accommodation to tours and expenses.
The amount you can borrow depends on your credit history, income, and overall financial situation.
All our Personal Loans come with no fees, competitive fixed rates, and are tailored to your circumstances.
Almost . All NOW Finance Personal Loans, whether secured or unsecured, come with no fees ever. That means no establishment, monthly, or early repayment fees, just transparent loans with a fixed interest rate.
Our Vehicle Loans include a $595 establishment fee to cover vehicle setup and registration costs. Beyond that, there are no additional fees or extra charges.
With NOW Finance, every loan is designed to be clear, fair, and none of the bank.
No. Getting a quote for a Car Loan or Personal Loan with NOW Finance won’t affect your credit score.
When you request a quote, we perform a soft credit enquiry (known as an Access Seeker check) to check your eligiblity and provide you with a personalised quote. This won’t impact your credit score.
If you decide to proceed with a full loan application, we will do a full credit check (known as a hard enquiry). This may appear on your credit file (as is standard with all lenders) and could impact your credit score.
No. NOW Finance Personal Loans have no fees, ever.
That means:
- No establishment fee
- No monthly fees
- No extra repayment fees
- No exit fees
You’ll only ever pay interest on the amount you borrow.
Please note that our Car Loans include a once off establishment fee. Like our Personal Loans, there are no monthly fees, extra repayment or exit fees.
NOW Finance offers flexible loan terms ranging from 18 months (1.5 years) to 7 years (84 months). You can choose a term that suits your budget and goals.
There are no fees for extra repayments or early payout, so you can pay off your loan faster and save on interest if you choose.
You can use the NOW Finance Repayment Calculator to explore different term lengths and find the best option for your budget and goals.
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Tips & Articles
Helpful articles to make your financial journey easier.