In Partnership with Finder
Get the funds you need without the bank
Get a rate in 2 minutes
Won’t impact your credit score
Fast and easy completion on your phone
Apply for a NOW Finance loan via the Finder website or app by February 28, 2026. If your loan is settled, you’ll receive an eGift Card from Finder worth up to $500. The gift card value will depend on your settled loan amount.
Some tips to get your Finder gift card:
- Login to your Finder account or join through their website.
- Make sure your name and email address with NOW Finance match the details in your Finder account.
- Click on the NOW Finance offer on Finder’s website and submit your loan application in the same session.
Available to customers who apply for a NOW Finance Personal Loan or Car Loan via Finder between Monday 2 and Saturday 28 February 2026. Settlement of the loan must occur by 30 April 2026. All applications are subject to credit assessment and eligibility criteria. The promotion and gift card fulfilment are managed by Finder.
Ways to Use Your Loan
What can you use a Personal Loan for?
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 rate and explore loan options that fit your plans.
Find the right loan to
power your next big move
Unsecured
Personal Loan
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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Secured
Personal Loan
When you’re planning something big or want more borrowing power, a Secured Personal Loan could be the right fit. By offering an asset as security, you could access a lower rate or a higher loan amount.
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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
Product
Interest Rate
Comparison Rate
Loan Amount
Loan Term
Loan Fees
$0 Loan Fees
Recognised year after year by Finder, Mozo, and WeMoney, our Personal Loans are known for no fees, fair rates, and a simpler way to borrow.
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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Tips & Articles
Helpful articles to make your financial journey easier.