Debt Consolidation

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Consolidation is a convenient way to manage and simplify your debt.


Debt consolidation simply means to bring all of one’s personal debts together – consolidating them – into a single regular repayment.

Managing multiple debts can be stressful, tiresome and cost you thousands in additional interest; NOW FINANCE provides an option to consolidate all of these debts into one easy weekly or fortnightly payment by direct debit.

Debt Consolidation

With a personal loan, our customers can enjoy flexible payment options which simplifies their finances.

Whether you are looking to consolidate credit card debt, personal loans, other debts or a mix of each, NOW FINANCE can help you find a solution.

  • Up to 84 months to repay your personal loan.
  • A credible and viable solution to budget management.
  • Access to your own Australian-based personal loan advisor.

  • Applications are personally reviewed and assessed individually by a person.

  • Repayment plans from 18 months to 7 years.

  • Industry-leading personalised service tailored to suit you.


Want to know more? Call us now on 1300 275 669 or click here to get started.

Joint Loans

Apply together with your partner to unlock exclusive benefits.

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Secured Loans

Use your Car, Motorbike, Boat or Caravan as security for a lower interest rate.

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Ready to start?

Our loan application is simple and secure

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Get your loan in a few simple steps

Step 1.

Eligibility check

To start, we ask you a few simple questions to ensure you're eligible to apply

Step 2.

Personal details

Next, we ask you to answer a few questions about your personal situation so we can offer you a truly personalised rate

Step 3.

Loan details

Once you have your personalised rate, you have the option to adjust your preferred repayment schedule, term, and borrowing amount

Step 4.

Financial details

When we know a bit about you and what you'd like to borrow, we ask a bit about your financial position to make sure our loan suits your needs

(Submission of an application affects your credit file)

Loan Categories

We provide a range of flexible personal loans designed to suit your needs.

Vehicle Finance
Medical & Dental Loa...
Travel Loans
Home Improvement
Debt Consolidation

Approved customers only. Terms, conditions, fees and charges apply. All applications are subject to NOW FINANCE’s lending and approval criteria. Settlement times may vary depending on circumstances. Loan repayment terms range from 18 months to 7 years. Interest rates range from 7.95% p.a. (9.56% p.a. comparison rate) to 16.95% p.a. (18.53% p.a. comparison rate).

*Comparison rates are based on a loan of $30,000 over 5 years.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with the interest rate of 7.95% p.a. (9.56% p.a. comparison rate), would estimate to a minimum total amount payable of $37,741.60 via the weekly payment option (including a $495 establishment fee and $13 per month administration fee). Rates are subject to change.

NOW FINANCE is a trademark of Now Finance Group Pty Ltd | ACN 158 703 612 Australian Credit Licence number 425142