How To Live a Lavish Lifestyle Within Your Means

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Getting the lifestyle you have always dreamed of doesn’t have to be difficult. Many of us save diligently for years, aiming to make that life changing purchase or take the holiday of a lifetime. The problem is that for many savers, the rainy day never comes. They never reach their savings target because the things they want keep getting more expensive, and they end up using their savings for unexpected bills, emergencies, or to cover when they’ve budgeted poorly.

Let’s imagine you start saving today, with the aim of having enough money in seven years to pay for your home extension. How are you going to feel in seven years if you can’t do that? Some studies have shown that savers are more likely to have a ‘blowout’ of spending recklessly as a counter-reaction to being disciplined. While that may or may not happen to you if you’re a diligent saver, what’s important to recognise is that you don’t necessarily need to save to get the lifestyle you want.

Why Wait?

Instead of spending the next seven years worrying about how much you need to save, or feeling bad around Christmas or other times of the year when you might not be able to save as much as you’d like, use a personal loan to get those things you want in life instead.

When you take out a personal loan from NOW FINANCE, you can borrow up to [loan_max_un] and choose a repayment period of up to seven years. If you’re employed and earn enough money to be able to afford the repayments, you can use your loan enjoy life now. Spend the next seven years repaying your personal loan rather than worrying about how much you’re able to save, and take advantage of the chance to take a holiday of a lifetime, add that home extension, or buy that new car.

A Personal Loan for Everyone

At NOW FINANCE we provide a wide range of personal loan options, meaning that no matter where you are in life or what your dreams and ambitions are, we might be able to help.

The below table looks at how your circumstances might change the reasons you’re looking for a personal loan. Obviously the different scenarios may change or fall into a different age bracket for you as we’re all different, this is just designed to show you how NOW FINANCE may be able to help you get the life you want, now.

As you can see, the possibilities for how a NOW FINANCE personal loan may be able to help you are endless. By taking out a personal loan you can help yourself to enjoy life now and not miss out on anything you want to achieve.

Do you really want to miss out on travelling in your 20’s because you’re hoping to get married in your 30’s. What type of life are you and your family going to have while you try and save for a home renovation in your late 30’s? By the time you’ve saved the money are your kids likely to be grown up and not spending as much time at home anyway?

Get the Lifestyle You Want, Now

Living the lifestyle you want, now, is well within your reach. Why spend years saving when you could get what you want now and enjoy life while repaying your personal loan?

Get your interest rate here before applying, and discover what you could repay each week while you live life and achieve your dreams and ambitions.

Disclaimer:  This article contains general comments and recommendations only. This article has been prepared without taking account of your objectives, financial situation or needs.  Before taking any action you should consider the appropriateness of the comments made in the article, having regard to your objectives, financial situation and needs. If this article relates to the acquisition, or possible acquisition, of a particular credit product you should obtain and consider the relevant disclosure documents before applying for the product.

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 $50,000 with interest rates ranging from 5.95% p.a. (5.95% 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 4.45%p.a. (4.45% 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.


our confirmed guaranteed personalised rate may change if you provide NOW Finance with incorrect personal information or security details.  In some circumstances, NOW Finance may require further information from you in order to provide you with your guaranteed personalised rate.

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