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Joint application
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.
Combining your incomes may help you borrow more and reach your goals together.
We will base our quote on who has the best credit profile which can lead to more competitive rates.
With two incomes contributing, repayments may be easier to manage and more achievable.
From home renovations to travel, you can fund shared dreams.
Being awarded Best for Debt Consolidation by the team behind the popular financial wellness app, WeMoney, is a testament to the fact that our loans are simple, stress-free, and can help support your journey toward financial wellness.
Joint application
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.
If you're self-employed, you’ll need at least 2 years of business activity.
If you're in a casual role, you’ll need to have been working for at least 3 months.
Having a clean credit history helps us assess your application faster and gives you a better chance of approval.
Unfortunately, we can’t accept applications from temporary visa holders.
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.
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.
A flexible loan that can be used for a range of personal needs without using a vehicle as security.
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Interest rate
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Comparison rate*
A flexible loan that can be used for a range of personal needs, secured against a vehicle to potentially access a lower estimated rate.
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Interest rate
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Comparison rate*
**Excludes Debt Consolidation, which is paid directly to creditors.
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.
Yes, NOW Finance offers joint personal loans for couples living at the same address. Both applicants share equal responsibility for the loan and its repayments.
To apply, select “With my partner” when getting your rate. Both applicants will need to:
Applying jointly may help increase your borrowing power.
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Apply online in 10 minutes, with funds as soon
as 24-48 business hours.