Our 3-Step
Application Process

Our application process is really simple.
No hidden fees and no rate surprises.

NOW Finance at Trustpilot
STEP ONE

Get your
confirmed rate^

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

We love surprises, but not when it comes to understanding interest rates. That’s why we provide you with a confirmed rate^ instead of an estimate; one rate that doesn’t change as you apply. And with no fees on your loan, you’ll be certain that you won’t be slugged with extra costs.

Rest assured, your credit score is safe and won’t be impacted by getting your rate. When calculating your personalised rate, we’ll carry out a soft enquiry on your credit file, which allows a lender to see your credit score and other information about your credit history.

Your confirmed rate^ is completely personalised to you and your credit file. So if you have a strong and proven credit history, you’ll be rewarded for that.

STEP TWO

Apply online

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

We want to know all about you and your big goals. To check whether we’re a good match, we’ll collect some general information about your income, family situation, living situation and whether you have a partner.

Have your budget spreadsheet or banking app handy for this part. We’ll get into the details of your income and expenses, and check whether that meets our credit criteria. Don’t stress if your budget lives in your brain, we’ll ask you to make an educated guess about your spending.

We’re serious about protecting your identity, so we’ll ask you for an ID scan and your bank statements. Using our intuitive tools and your smartphone, this should only take you a few minutes.

STEP THREE

Money in your account

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

Your personal loan advisor will be in touch to create a repayment plan that’s right for you, keeping you on top of your finances.

Time to make it official between us. We’ll send your loan contract, you just need to read it, understand it and sign it – digitally, of course.

Pop the bubbles and pat yourself on the back. The funds generally reach you in 24-48 hours of being approved, and you’re on your way to making your next big move.

ELIGIBILITY

Check if you’re eligible

Ready to make your next move?

Get your personalised rate in 2 minutes

Get My Rate