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Get the funds you need with no fees

Say goodbye to hidden fees and hello to financial freedom. Apply for a no-fee personal loan today.

Won’t impact your credit score

Get a rate in 2 minutes

Finder’s 2025 winner of both Unsecured and Secured Personal Loan awards.

Still have big ticket items on your to-do list? Tick them off for a chance to win 1 of 5 $1,000 cash prizes!

3 ways to enter the draw

Share your plans

Submit the form below telling us what big-ticket plans you have coming up.

Get a quote

Get a quote for any loan purpose by clicking ‘Get My Rate’ on this page.

Apply for a loan

Happy with your quote? Apply for the personal loan.

Each eligible action can be completed once to receive the corresponding number of entries, and customers may complete all three actions to increase their chances of winning one of five $1,000 cash prizes. Obtaining a quote will not affect your credit report. However, submitting a loan application will result in a credit enquiry being recorded on your credit file, which may impact your credit score. This will be clearly disclosed during the application process. All loan applications are subject to lending and approval criteria. Customers should review the full terms and conditions before taking part in this competition. Permit No ACT TP 25/01166.

See full Terms and Conditions

Share your upcoming plans for 1 entry in the draw to
win 1 of 5 $1,000 cash prizes

No fees

Forget about fees. Our personal loans are fee-free, forever. No ifs or buts about it.

Uniquely yours

Like a custom-tailored suit, your rate is made just for you. Get your personalised quote in less than 2 minutes.

VIP service

You’ll have a dedicated personal loan consultant to steer you through the entire process.

RATES & FEES

The Details

In order to apply for a personal loan, you must fulfil the following eligibility criteria:

  • You’re an Australian citizen or permanent resident

  • You’re employed and not currently on probation

  • You have no defaults or prior bankruptcy

  • You have a current Australian drivers licence or current Australian passport

ProductNOW Personal Loan
Interest RateFrom 6.45% p.a. (Unsecured)
From 6.45% p.a. (Secured)
Comparison RateFrom 6.45% p.a.* (Unsecured)
From 6.45% p.a.* (Secured)
Loan Amount$5,000 – $50,000 (Unsecured)
$15,000 – $100,000 (Secured)
Loan Term18 months – 7 years
Loan Fees$0 – No Fees
Upfront Fees$0
Early Exit Fees$0
Missed Payment Fees$0
Ongoing Fees$0

Quick, easy and all online

1

Get your rate

It takes 2 minutes to get your personalised quote
without impacting your credit score.

2

Apply online

Complete your online application
and get a response in 2 minutes.

3

Money in your account

Access your funds within 24-48 hours
of being approved.

Raving reviews & awards

With more than 1,900 5-star reviews, you won’t be the only one loving your loan.


Ready to make your next move?

Get your personalised quote in 2 minutes

By participating in this promotion, you agree to be bound by the Terms and Conditions of the promotion and acknowledge that a maximum of one prize will be awarded per customer. Entries are limited to one per eligible action per person, and you may complete up to three (3) actions to increase your chances of winning. The promotion is valid until 11:59pm AEST on 31 July 2025. Permit No ACT TP 25/01166.

By entering, you consent to NOW Finance collecting, using, and disclosing your personal information as outlined in its Privacy Policy, including for direct marketing purposes. If you are selected as a winner, your full name will be published on the NOW Finance website for 30 days. Loan applications are subject to lending and eligibility criteria. Getting a quote will not impact your credit file; however, submitting a full application will, and this will be disclosed to you at the time of application.

The information provided in connection with this promotion including on this page is general in nature and does not take into account your personal financial situation, needs, or objectives. It is not financial, legal, or tax advice, and you should not rely on it as such. You should consider the appropriateness of any loan product in light of your own circumstances and seek independent professional advice where necessary. You should not get a quote or apply for a loan solely for the purpose of entering or participating in this promotion.