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A flexible loan that can be used for a range of personal needs without using a vehicle as security.
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A flexible loan that can be used for a range of personal needs, secured against a vehicle to potentially access a lower estimated rate.
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**Excludes Debt Consolidation, which is paid directly to creditors.
Use your NOW Finance Education Loan to cover the costs of tuition, textbooks, and other essential expenses related to your studies.
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In some cases, you may be able to claim a tax deduction on the interest portion of your education loan, depending on how the funds were used. For example, if the loan was used to support self-education related to your current job, certain expenses might be deductible.
For personalised advice, it’s best to check the latest guidance on the ATO website or speak with a registered tax accountant to understand what applies to your situation.
No, education loans cannot be transferred or reassigned to another person. The loan agreement is made directly between you and NOW Finance, meaning you’re responsible for all repayments under your name.
If your circumstances change, speak with your NOW Finance personal loan advisor to discuss your options.
When you take out an Education Loan with NOW Finance, we’ll create a personalised repayment plan that fits your financial situation. Your repayments are made at regular intervals, weekly or fortnightly, over a fixed term with a clear end date.
If your income is limited while you’re studying, it’s a good idea to set a realistic budget and keep track of your expenses to stay on top of your repayments. Our team can also help you review your plan if your circumstances change.
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Even with the same interest rate, a $30,000 loan over 5 years with NOW Finance typically costs $1,000 to $2,000 less than with other lenders, because no fees really do matter.
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.
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