How it works

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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. 

Ready to start?

Our loan application is simple, secure, and fast

Call 1300 275 669 or

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.

Vehicle Finance
Medical & Dental Loa...
Travel Loan
Home Renovation Loan
Debt Consolidation L...

Why NOW?

We provide a range of personal loans designed specifically to meet the needs of our customers.

Learn More

About us

Our personal loans aren’t just personal by name, they’re personal by nature.

Learn More

Contact Us

If you have any questions, please contact us on 1300 275 669 - Monday to Friday, from 9am to 6pm AEST.

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New loans only. Applications for finance are subject to NOW Finance’s lending and approval criteria. Terms and conditions may apply. No fees apply however if you do not comply with the terms of your loan, we may pass on to you any third party enforcement or recovery costs incurred by us. 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*).  


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. NOW Finance does not charge any fees therefore the true cost of the loan or Comparison Rate will always equal the interest rate quoted.


An unsecured personal loan of $30,000 borrowed for 5 years with the interest rate of 5.95% p.a. (5.95% p.a. comparison rate), would estimate to a minimum total amount payable of $34,686.60 via the weekly payment option. Rates are subject to change.


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