Car Loans

Get the keys with no fees.

Want that car? Get that car with a personalised, no-fees loan.

From 6.75 % pa Interest rate
From 6.75 % pa Comparison rate*

Dream loan for that dream car

Whether you’re a first-time buyer or upgrading to something sweet, your NOW Finance personal loan is tailored to suit you.

Borrow up to $50,000 (unsecured) or up to $100,000 (secured).

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.


The Details

If you’re eligible and approved, you’ll have that money in your hands in as little as 24 hours.

You can choose a fixed term from 18 months to 7 years. But if you’d prefer something flexible, you can do that too.

ProductNOW Personal Loan
Interest RateFrom 6.75% p.a. (Unsecured)
From 6.75% p.a. (Secured)
Comparison RateFrom 6.75% p.a.* (Unsecured)
From 6.75% 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

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.


The people’s choice

With more than 1,700 5-star reviews, you won’t be the only one loving your loan.

Really quick turn around, better interest rate than my previous bank, a very uncomplicated process with a team that looked after me every step of the way.


Darren loves NOW Finance

Personalised rates and personal service. Darren shares his experience with NOW Finance.


Car Personal Loans, explained

NOW Finance covers both unsecured and secured car loans. Our unsecured loans allow you to borrow from $5,000 up to $50,000. Our secured loans range from $15,000 to $100,000. A secured loan means you provide an asset (usually the car) as security

With a car loan, you borrow an agreed amount of money to purchase a car. You pay back the loan plus interest to the lender within a specified period of time. This is called the term of the car loan. At NOW Finance, the term is from 18 months to 7 years. For more details, please read how it works.

A comparison rate lets a borrower easily compare car finance deals from different lenders. It includes the interest rate along with all fees and charges. NOW Finance has no fees, making comparisons with other car finance options very easy.

Car loans in Australia can be refinanced. Refinancing involves switching from an old loan to a new one, usually with a different loan provider. This can help you save money by reducing the interest rate on the loan. It can also enable you to consolidate debt.

It is very unusual to get two cars on one loan. Most car loans are for a specific vehicle, and that vehicle serves as security on the loan. In the rare cases where two cars are financed on a single loan, the credit score of the borrower would need to be excellent. Another scenario is debt consolidation. It is possible to consolidate two separate car loans into one loan.

In most cases, you cannot transfer a car loan to another person. All lenders must comply with ASIC’s responsible lending conduct obligations, under which all credit contracts with a consumer must be suitable for that individual consumer’s personal financial situation. If a lender allowed you to transfer your car loan to someone else, the lender would not be meeting their obligation to assess the suitability of the loan for that other person.

If you can’t meet the repayments on your car, it may be possible to cancel the contract and give the car back to the lender.

Before you cancel the contract, always speak to your lender. Be honest about your situation. A lender such as NOW Finance may be able to find solutions that let you keep the car.

In Australia, the average car loan is between 3 and 5 years. (Source:

Car finance in Australia is not limited to new cars. You can get used car finance and loans for second-hand cars.

A car is an asset. A car loan is a debt and therefore a liability.

What should I know about a NOW Finance car personal loan?

When you have your own car, the world opens up to you professionally, socially and personally. But saving up for a vehicle is long, hard work. Fortunately, there is a better way. Car personal loans can put you behind the wheel of your own car at a much faster pace.

When you purchase a car, dealers often try to tempt you with car finance. Accepting their deal can be a bad move. You may wind up paying an excessive amount of money in the long term. It’s ideal to obtain a car personal loan from a reputable lender such as NOW Finance.

NOW Finance specialises in car personal loans in Australia and offers a range of finance deals with competitive interest rates and no fees.

Whether it’s your first set of wheels or you want to upgrade, we tailor our loans for cars to suit your personal situation.

Car personal loans that don’t drive you crazy 

NOW Finance’s car personal loans make borrowing money simpler. Our loans are easy to understand and easy to manage. And we can transfer the funds at top speed. You could be sitting in the driver’s seat very soon.

NOW Finance is not attached to a bank. We put personal service into all of our car personal loans. You’ll find our approach friendly, professional and convenient. Our customers regularly give us very high ratings.

Car finance for all Australians 

NOW Finance can cover car personal loans of up to $50,000 for unsecured loans and up to $100,000 for secured loans.

Wherever you live in Australia, you can apply for car finance with NOW Finance. The only condition is that you meet our eligibility criteria.

You will have a personal loan advisor to steer you through the process. Whether you need help with the loan application or you have questions about the terms and conditions, your personal loan advisor is there to assist.

Explore more about how it works.

Competitive rates on car finance 

NOW Finance’s loans for cars have competitive interest rates. We’re more affordable than a credit card and an excellent alternative to a bank.

As we have no fees, our comparison rates are the same as our interest rates. This makes shopping for a car personal loan and comparing prices with other lenders so much easier.

Why NOW? Why not!

No fees on car personal loans finance

To make things simpler for customers, we have a no fees approach. This means no establishment fees, no monthly fees, no fees for extra repayments and no early repayment fees.

Flexibility when you need it 

Whether you need used car finance or funds for a new vehicle, NOW Finance allows you to repay your loan over a fixed term, from 18 months to 7 years. Fixed repayments mean you stay in control of your money while enjoying all the perks of having your own wheels. NOW Finance also offers flexible repayment terms, tailored to suit your lifestyle and budget. What’s more, you can make extra repayments without ever paying extra fees.

Ready to make your next move?

Get your personalised quote in 2 minutes