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Feel that? Jasmine in the air, longer afternoons, that itch to finally do the thing you’ve been putting off all winter. Spring has a way of making everything feel possible again.
This spring, feel the win, the reno you’ve been pinning, the trip you keep bookmarking, the car that’s been on its last legs since January. Whatever your version of a Spring Win looks like, a NOW Finance loan can help you get there. And now, with a chance to win $1,000, it’s the perfect time to get started.
Get a Quote
Get a quote for a personal or car loan with NOW Finance
Apply for a Loan
If you’re happy with your offer, apply for the loan on or by 30 November 2026
You’re in the Draw
Once approved and settled, you’ll automatically be added into that month’s draw to win $1,000
Eligible loan applications must be submitted between 14 September and 30 November 2026 to qualify. Eligible loans are a NOW Finance Personal Loan or NOW Finance Vehicle Loan for personal purposes. Three monthly prize draws will take place on Monday 19 October, Monday 16 November, and Monday 14 December 2026, with one winner of a $1,000 Mastercard eGift Card per draw. Winners will be notified via email. Prize payments will be issued via Prezzee, NOW Finance’s gift card provider, within 5 business days of winner confirmation. Getting a quote will not affect your credit score, but proceeding with a credit application will result in a hard credit enquiry which may impact your score. Open to Australian residents aged 18+. The promotion is valid until 11:59pm AEST on Monday 30 November 2026.
Ways to Use Your Loan
Made to fit your plans, big or small. Combine up to 4 purposes in one loan!
Debt Consolidation
Combine your debts into one simple loan and take back control.
Home Renovation
Upgrade your space. From kitchens to gardens and everything between.
Travel
Book that dream holiday, visit family, or take a well-earned break.
Medical & Dental
Cover unexpected or planned medical, dental, or cosmetic expenses.
And more...
Weddings, Funerals, Education / Study & Other Needs (Tech, etc.)
Check your rate in minutes
Get a personalised quote and explore loan options that fit your plans.
Whether it’s paying off existing debt, funding something special, or covering unexpected costs, our Unsecured Personal Loan makes it easy to borrow what you need with no security required.
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When you’re planning something big and want more borrowing power, a Secured Personal Loan could be the right fit. By offering an asset as security, you may be able to access a lower rate or a higher loan amount.
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RATES & FEES
In order to apply for a personal loan, you must fulfil the following eligibility criteria:
Product
Personal Loans
Interest Rate
Comparison Rate
Loan Amount
Loan Term
Loan Fees
$0 Loan Fees
Recognised year after year by Finder, Mozo, and WeMoney for simple, no-fee personal loans, and car loans with excellent rates and fees.
Even with the same interest rate, a $30,000 personal loan over 5 years with NOW Finance typically costs $1,000 to $2,000 less than with other lenders, because fees do add up over time.
Monthly fees are usually charged as you go
With some lenders, $15/month becomes $900 over 5 years.
At NOW Finance, you pay $0.
Upfront fees increase your total loan cost
Other lenders charge a $250 setup fee, which can end up costing you around $450 once interest is added.
NOW Finance = $0 upfront.
Most borrowers miss 1–3 payments over the loan term
3 missed repayments can still cost you $45 in fees with some lenders.
NOW Finance skips the fees.
It’s quick, secure, and paper-free, from your quote to your cash.
It takes 2 minutes to get your personalised quote without impacting your credit score.
Complete your online application and get a response in 2 minutes.
Access your funds within 24-48 hours of being approved.
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Get your personalised quote in 2 minutes
Apply online in 10 minutes, with funds as soon as 24-48 business hours.