Credit Score

kNOWledge Base | Credit Score

What is a credit score? How is a credit score calculated? Everything you need to know about finding out your credit score and what it means when you apply for loans or finance.
Credit Score
All Australian citizens and permanent residents are entitled to check their credit history once per [...]
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Categories: Credit Score, Understanding Credit
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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There’s More to Personal Loans Than Just Interest Rates
When looking for a personal loan, many people choose to focus purely on the interest rate they are g[...]
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Why Am I Not Getting the Same Interest Rate as My Friends?
Australian consumers believe there is one interest rate that is the same across the whole personal l[...]
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Are You Worried About Your Partner’s Credit Score?
If you’re worried about your partner’s credit score, then you’re not alone among Australians.
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How Can My Previous Spending Habits Affect My Credit Rating?
When you’re spending money, be that on credit cards or out of your current account, and thinking a[...]
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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.

^CONFIRMED RATE

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