Cyber Security


Cyber Security


Being aware and understanding what you need to do if you receive a suspicious email or text message is paramount in securing your personal information. If you receive a suspicious email, document or text message purporting to be from NOW Finance you can contact us directly via the following means:

Email us at customerservice@nowfinance.com.au or by calling 1300 275 669.

A phishing email takes information from a legitimate company such as their logo or other information and contains a fake email or website address. The logo or other images used are often blurred. The fake emails are often very similar to the real ones and are designed to trick people into providing their personal information. How to spot phishing emails? Here are a few tips:

– Sender email address: this might be unusual, misspelled or slightly different from the correct version.

– Poor grammar and spelling: This can be a tell-tale sign.

– Suspicious links or fake websites: use your mouse to hover over the link to see the actual web address the link leads to – it could lead to a fake website.

Sophisticated cybercriminals can also use other methods, such as sending SMS text messages in their phishing exercises too. These fraudulent text messages use the same tactics like phishing emails, so be aware.

Our Compliance and Security team monitor this information so that we can protect our customers. If you receive an email with an attachment that asks you to open it, it might actually install malware on to your computer. Do not open these attachments. Simply contact us so that we may be able to assist you further.

We encourage you to consider the following ideas to reduce the risks of being infected:

 

– Do not click on any links or attachments in emails which you do not recognize

– Delete all odd or suspicious emails right away

– Do not send anyone login details or passwords over email.

THINGS YOU SHOULD KNOW:

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*).  

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

EXAMPLE:

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.

^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