Frugal Living

kNOWledge Base | Frugal Living

Frugal living means "less is more", but can you have your avocado and your home loan too? Get all the latest and greatest tips on living within your means from NOW FINANCE.
5 financial questions to ask your partner before things get serious
You’ve met someone, the relationship is going well, and things are starting to get serious. You ma[...]
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Should You Fix Your Car or Sell It?
What considerations do you need to make that will help you decide the best way to proceed?
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Categories: Car Finance, Frugal Living, Life Savvy, Lifestyle
Living in a Tiny Studio Apartment? Here's How to Spice It Up!
Whether you rent or own your property, modern property prices mean that sometimes we’ll find ourse[...]
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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 Live a Lavish Lifestyle Within Your Means
Getting the lifestyle you have always dreamed of doesn’t have to be difficult.
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Are Personal Loans Just for the Poor?
Personal loans are still perceived negatively by some sections of the Australian population.
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How to Achieve a Dream Holiday for Under $10,000
Australians are taking more international holidays than ever before. Trend data from the Australian [...]
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Setting financial goals that work for you
You might not feel you are at a point in your life where you need to be setting financial goals or e[...]
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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