Joint Personal Loans

Borrow together
to achieve more

Combine your strengths for a shared goal.

Continue Application

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.

Debt Consolidation Loans

Home Improvement Loans

Holiday & Travel Loans

Wedding Loans

Education Loans

Dental Loans

Medical Loans

Funeral Loans

Furniture Loans

Debt Consolidation Loans

Home Improvement Loans

Holiday & Travel Loans

Wedding Loans

Education Loans

Dental Loans

Medical Loans

Funeral Loans

Furniture Loans

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 quote and explore loan options that fit your plans.

Award-winning loans. None of the bank.

Recognised year after year by Finder, Mozo, and WeMoney for simple, no-fee personal loans, and car loans with excellent rates and fees.

It’s easy to get a loan with NOW

It’s quick, secure, and paper-free, from your quote to your cash.

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.

From

5.95

Interest rate

From

5.95

Comparison rate*

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.

From

5.95

Interest rate

From

5.95

Comparison rate*

Customer Stories: real people, real progress

Discover how everyday Australians are achieving their goals with a little help from us

#TravelMemories

Memories over miles: Our family adventure

After the Covid lockdowns, our NOW Finance loan made it possible to take our two boys to the Philippines to visit my 91-year-old grandma.

#DreamRide

The ultimate ride

Thanks to NOW Finance, I finally bought the motorbike of my dreams—my first brand-new bike ever!

#BoatLife

Smooth sailing into the next chapter

The NOW Finance team is top-notch, making the process simple and achievable, putting the big banks to shame!

NOW Finance and the relevant partner will handle your personal information in line with their privacy policies. We may receive information from the partner to track your activity, confirm whether you qualify for cashback and process your payment.

No. Using NOW Perks does not change the terms of your existing NOW Finance loan. Taking up a separate refinance offer may result in a new loan agreement and different rates, repayments or terms.

No. Econnex and LendUs provide the comparison or referral services. You should review the available products, costs, features and terms and decide whether an option suits your needs.

No. You can choose the option that best suits your needs. Consider the price, features, inclusions, contract terms and service offered by each provider before switching.

Yes. NOW Finance does not charge a fee to access NOW Perks. You should still review the price, features and terms of any product before deciding whether to switch.

Update your details with NOW Finance as soon as possible. Outdated details may delay your cashback payment or prevent us from contacting you.

You will not qualify for cashback if the provider rejects, cancels or cannot complete your switch, or if you do not meet the offer requirements.

First, check that you completed the switch through an eligible NOW Perks link. Tracking times vary by offer. If you have not received a confirmation email within the timeframe shown in the offer terms, contact us and provide: – your full name – the offer you used – the date you completed the switch – any relevant order, application or reference number.

You may no longer qualify for cashback if you: – cancel during the cooling-off period – do not activate or connect the service – do not meet a minimum connection period – do not meet any other requirement in the offer terms.

See all (COUNT) articles