Personal Loans
No Fees.
No Worries.
Make your next big move today with a no-fee Personal Loan.
Get a rate in 2 minutes
Won’t impact your credit score
Fast and easy completion on your phone
Everything on your time. Everything with NOW
Take the next step backed by the right loan.
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 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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One of Australia’s most awarded non-bank personal lenders
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.
It’s easy to get a loan with NOW
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.
Rates & Repayments
Fixed repayments
Weekly or fortnightly
repayment options
No early repayment fees
Borrow $5,000–$100,000
Ready to make your next move?
Get your personalised quote in 2 minutes without impacting your credit score.
Repayment Calculator
We talk a lot about No fees, but what does that mean for our Personal Loans?
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.
Customer Stories: real people, real progress
Discover how everyday Australians are achieving their goals with a little help from us
Memories over miles: Our family adventure
Tying the knot without the stress
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- NOW Finance Loans, Explained
Yes, you may be able to refinance your NOW Finance Personal Loan to better suit your current financial situation. Refinancing means replacing your existing loan with a new one, which may offer lower interest rates, different repayment terms and access additional funds.
You might consider refinancing if your credit score has improved, your income has increased, or market rates have dropped.
Please note that refinancing involves a new credit assessment and credit check, and eligibility depends on your existing loan balance and our lending criteria. There is a minimum additional lend of $3,000 required to refinance an existing loan. Make sure to review your personal circumstances and the loan terms to ensure refinancing is suitable for you.
Getting a loan with NOW Finance is simple, fast, and completely online, whether you’re looking for a personal loan or a car loan. Here’s how it works:
- Get your personalised rate, Check your rate in under 2 minutes with no impact on your credit score.
- Apply online, Complete your application and provide a few details about your loan.
- Receive funds fast, Once approved and your ID is verified, your funds can be in your account in as little as 24 hours.
All with no ongoing fees, no surprises, and none of the bank.
You can check your eligibility for a personal or car loan in minutes using our Eligibility Calculator. It’s fast, free, and won’t affect your credit score.
You can get a personalised quote in just 2 minutes, without impacting your credit score.
Once you submit your full application, our initial assessment usually takes around 2 minutes. One your application is approved and your identity has been verified, funds can be transferred to your account in as little as 24 hours. Once you submit an application, you’ll receive a personalised quote in just 2 minutes without affecting your credit score. If you decide to proceed, most applications are assessed within 1-2 business days, and if everything’s in order, your funds can be transferred to your account in as little as 24 hours.
No. NOW Finance Personal Loans have no fees, ever.
That means:
- No establishment fee
- No monthly fees
- No extra repayment fees
- No exit fees
You’ll only ever pay interest on the amount you borrow.
Please note that our Car Loans include a once off establishment fee. Like our Personal Loans, there are no monthly fees, extra repayment or exit fees.
For an Unsecured Personal Loan, you can borrow from $5,000 up to $50,000.
For a Secured Personal Loan, you can borrow from $15,000 up to $100,000.
For a Vehicle loan, you can borrow from $5,000 up to $150,000 depending on the vehicle type.
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Tips & Articles
Helpful articles to make your financial journey easier.
Why choose NOW Finance
We’re not a bank, and that’s a good thing.
No fees
Fixed repayments
Flexible terms (18
months–7 years)
Fast & easy online
application
Highly rated customer experience