Credit Reports & Ratings

kNOWledge Base | Credit Reports & Ratings

Credit reports and ratings contain information about your personal finances including approvals, rejections, credit checks, and defaults. Find out about these terms and how it effects your finances here.
Do Australians Understand When a Credit Check is Done?
In the majority of cases, a credit check would only be done with your consent, but are you agreeing [...]
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When do Personal Loan Providers Check Your Credit File?
Let’s take a look at when personal loan providers check your credit file, and what you can do to p[...]
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Negative vs. Positive Credit Reporting
From 1 July 2018, the big four banks will be required to share much more information with credit rep[...]
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Why are Some Banks against Comprehensive Credit Reporting?
Despite this generally positive outlook, some banks have concerns regarding CCR.
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Missed a Payment or was Denied Credit? Comprehensive Credit Reporting Could Help You Recover from a Poor Credit History
you are given more control over whether lenders see you as being “credit-worthy” or not
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Who Will Access my Comprehensive Credit Reporting?
Most people are aware that they will be credit checked when they apply for a personal loan, or want [...]
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Approved customers only. Terms, conditions, fees and charges apply. All applications are subject to NOW FINANCE’s lending and approval criteria. Settlement times may vary depending on circumstances. Loan repayment terms range from 18 months to 7 years. Interest rates range from 7.45% p.a. (9.07% p.a. comparison rate) to 16.95% p.a. (18.53% p.a. comparison rate).

*Comparison rates are based on a loan of $30,000 over 5 years.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with the interest rate of 7.45% p.a. (9.07% p.a. comparison rate), would estimate to a minimum total amount payable of $37,741.60 via the weekly payment option (including a $495 establishment fee and $13 per month administration fee). Rates are subject to change.

NOW FINANCE is a trademark of Now Finance Group Pty Ltd | ACN 158 703 612 Australian Credit Licence number 425142