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Repayment Calculator
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Don't know your credit score? Click here to find out.
There are various credit reporting agencies that can hold different information and scores. NOW Finance uses Equifax to determine your credit score and interest rate. You can access your Equifax credit report and credit score by visiting: www.equifax.com.au/personal
**The interest rate and repayment amounts used in this calculator are estimates only. These are based on the loan details and credit score you have provided here, which may be different to the credit score obtained if you submit an application. The final interest rate you are offered may differ once you have completed a loan application and we have assessed your personal circumstances. Applications for finance are subject to NOW Finance’s lending and approval criteria.
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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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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Recognised year after year by Finder, Mozo, and WeMoney for simple, no-fee personal loans, and car loans with excellent rates and fees.
Stop dreaming and start packing with a NOW Finance travel loan. You can access as little as $5,000 or up to $50,000 (unsecured).
Your personal loan advisor will walk you through the application process and answer any questions.
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.
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A Holiday & Travel Loan can help cover a wide range of travel-related expense, such as:
You can use the loan to fund your entire trip or just specific parts of it, giving you the flexibility to plan a holiday that fits your budget.
A Holiday & Travel Loan is a personal loan designed to help you pay for trips, vacations, or other travel-related expenses, from flights and accommodation to tours and spending money. These loans are typically unsecured with a fixed interest rate, so your repayments stay predictable throughout the term.
With NOW Finance, you can borrow:
Choose a repayment term from 18 to 84 months and enjoy the freedom to travel sooner — with no fees and none of the bank.
With NOW Finance, you can borrow between $5,000 and $50,000 for unsecured loans, or up to $100,000 for secured loans, to cover your travel plans, from flights and accommodation to tours and expenses.
The amount you can borrow depends on your credit history, income, and overall financial situation.
All our Personal Loans come with no fees, competitive fixed rates, and are tailored to your circumstances.
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Borrow $5,000–$100,000
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.
Helpful articles to make your financial journey easier.
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