Debt Consolidation Loan


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


A debt consolidation loan allows you to combine all of your personal debts into one simple-to-manage personal loan. With NOW FINANCE, you could consolidate up to $40,000 in debt into one regular weekly or fortnightly repayment with a fixed interest rate.

Our customers enjoy flexible payment options that help take the complexity out of finance.

We offer:

  • Loan terms between 18-84 months
  • Interest rates from 6.95% p.a. (comparison rates from 8.56%* p.a.)
  • The flexibility of weekly or fortnightly repayments
  • A simple, easy-to-follow four-step process
  • Access to your own personal loan advisor with continued support throughout your loan term

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


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Loan Categories


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

Vehicle Finance
Medical & Dental Loa...
Travel Loan
Home Renovation Loan
Debt Consolidation L...
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Things you should know

Applications for finance are subject to NOW FINANCE’s lending and approval criteria. Terms, conditions, fees and charges may apply. For example, there is usually an establishment fee and a monthly administration fee applicable. Settlement times may vary depending on individual circumstances. Loan repayment terms range between 18 months to 7 years.

No Fee Personal Loan: No fees apply only to approved applicants for loan amounts between $5,000 to $15,000. Charges such as default or enforcement costs may apply if you do not comply with the terms of your loan. Interest rates range from 6.95% p.a. (6.95% p.a. comparison rate) to 17.95% p.a. (17.95% p.a. comparison rate). See below for information on comparison rates.

Unsecured and Secured Personal Loans: Unsecured interest rates start from 6.95% p.a. (8.56% p.a. comparison rate) to 17.95% p.a. (19.51% p.a. comparison rate). Secured interest rates start from 5.95% p.a. (7.60% p.a. comparison rate) to 15.45% p.a. (17.07% p.a. comparison rate). See below for information on comparison rates.

*About Comparison Rates

The Comparison Rate is designed to help you understand the overall cost of the personal loan. It combines the amount of the loan, loan term, repayment frequency, interest rate, fees and charges into a single rate to show the total true cost of the loan. The comparison rates for the NOW FINANCE no fee personal loans are based on a loan of $10,000 over 3 years. The comparison rates for the NOW FINANCE unsecured and secured personal loans are based on a loan of $30,000 over 5 years. WARNING: The comparison rates given are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

NOW FINANCE is a trademark of Now Finance Group Pty Ltd ACN 158 703 612 Australian Credit Licence number 425142, as agent for NF Finco 2 Pty Ltd ACN 164 213 030