Budgeting & Money Management

kNOWledge Base | Budgeting & Money Management

Get help creating a budget and managing your money. If you're looking to save, pay off debts, or want to get a nest egg together, read our tips on how to effectively manage your money.
How to meet new people without spending money
The COVID-19 pandemic has brought a diverse set of challenges into our lives. One of the biggest is [...]
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10 Free Weekend Activities to Do When You’re Saving for a House
Saving for a home is a goal for many people but saving nearly 20 percent of a house’s value to rai[...]
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5 Tips to Properly Budget Your DIY Home Renovation
Although doing home renovations yourself can save you money, it’s still important that you budget [...]
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I Didn’t Realise How Much I Needed a Personal Loan!
If you’re trying to save some money each month and failing miserably, don’t worry, because you[...]
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Top Reasons People Take Out Financial Loans
here’s a look at the most popular loan types here at NOW FINANCE.
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How to Become a Millennial First Home Buyer
A lot is said and written about the difficulties that millennials face in being able to afford their[...]
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How to Tackle This Year’s Festival Season Like a Financial Champ
top tips that will help you tackle this year’s festival season like a financial champ.
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What to do in a Financial Emergency
Financial emergencies are varied in their circumstances as well as what they’ll ultimately cost us[...]
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It's Never Too Early to Start Being Financially Savvy!
It’s never too early to start being financially savvy, while at the same time it’s never too lat[...]
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How to Prioritise Your Life with a Personal Loan
Taking out a personal loan is a fantastic opportunity for you to start getting your life back in ord[...]
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Things you should know

Applications for finance are subject to NOW FINANCE’s lending and approval criteria. Terms, conditions, fees and charges may apply. For example, there is usually an establishment fee and a monthly administration fee applicable. Settlement times may vary depending on individual circumstances. Loan repayment terms range between 18 months to 7 years.

No Fee Personal Loan: No fees apply only to approved applicants for loan amounts between $5,000 to $15,000. Charges such as default or enforcement costs may apply if you do not comply with the terms of your loan. Interest rates range from 6.95% p.a. (6.95% p.a. comparison rate) to 17.95% p.a. (17.95% p.a. comparison rate). See below for information on comparison rates.

Unsecured and Secured Personal Loans: Unsecured interest rates start from 6.95% p.a. (8.56% p.a. comparison rate) to 17.95% p.a. (19.51% p.a. comparison rate). Secured interest rates start from 5.95% p.a. (7.60% p.a. comparison rate) to 15.45% p.a. (17.07% p.a. comparison rate). See below for information on comparison rates.

*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 no fee personal loans are based on a loan of $10,000 over 3 years. The comparison rates for the NOW FINANCE unsecured and secured personal 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 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