How it works
How it works: Our 4-step process
NOW Finance technology enables a streamlined 4-step process, so you can access a personal loan faster and easier.
You can give us a call or apply online. Applications take about 10 minutes to complete.
In most cases, if you apply before 2pm (AEST) you get a decision on your application the same day.
Why choose us?
We provide a range of flexible personal loans designed to suit your needs.
- Competitive interest rates.
- Applications are reviewed on a case-by-case basis, unique to your individual circumstances.
- A credible and viable solution to budget management.
- You’re helped by your own Australia-based Personal Loan Advisor.
- We personalise our service to suit you and your needs.
- Repayment plans from 18 months to 7 years.
How The Personal Loan Application Process Works
1. We confirm your eligibility.
All personal loan applicants must be eligible to apply. You must be over 18, an Australian citizen or permanent resident, be employed and have an stable income, and have supporting documentation. Click here for the full list of eligibility criteria.
2. We check your repayment capacity.
We'll perform a due diligence to assess your ability to afford the loan. Credit scores or reports can determine your creditworthiness and can influence your interest rate.
Your Personal Loan Advisor can talk to you over the phone to help you understand your interest rate, repayment schedule, and all the fees and charges associated with your personal loan application.
3. Documentation and ID you need.
Once you have agreed to the loan terms and interest rate, your consultant will ask you for additional documentation and identification so we can make sure it's you. Click here to find out what documents and ID you'll need to complete your application.
4. Receiving your funds.
At this point you'll nominate the bank account we deposit the funds into. This usually takes 24 to 48 business hours.
Loan Categories
We provide a range of flexible personal loans designed to suit your needs.
Why NOW?
We provide a range of personal loans designed specifically to meet the needs of our customers.
Learn MoreContact Us
If you have any questions, please contact us on 1300 275 669 - Monday to Friday, from 9am to 6pm AEST.
Learn More