What can I use a Home Improvement loan for?

A home renovation loan can be used to finance almost any type of home improvement project, including: Bathroom or kitchen remodels and upgrades Painting, flooring, or interior updates Extensions and home additions Outdoor projects such as patios, decks, or landscaping Repairs or rebuilding after damage In general, if it enhances, repairs, or modernises your home, a NOW Finance Home Renovation Loan can help you cover the cost, with no fees and flexible repayment terms.

Home Improvement Loans

Fix up your fixer-upper with no fees.

Fund your dream kitchen or garden improvement loan up to $100,000. No ongoing fees and fixed rates help you renovate with confidence.

From

5.95

Interest rate

From

5.95

Comparison rate*

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Won’t impact your credit score

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Benefits

What can you use a Home Improvement Loans for?

A home improvement loan makes upgrading your home easier than you think

Increase your home’s value

A home improvement loan can provide the funds you need to upgrade kitchens, bathrooms, or add extensions, improvements that often boost property value and future resale potential.

Transform your living space

Finance your renovations or improvements now and create the home you’ve always wanted. From modern interiors to outdoor upgrades, a renovation loan helps turn your ideas into reality without the long wait.

Manage renovation costs with ease

Instead of relying on savings or credit cards, a home improvement loan offers one predictable repayment. This makes it easier to budget and stay on top of your expenses.

Enjoy improvements sooner

Why delay your dream upgrades? With a renovation loan, you can enjoy a more comfortable and functional home now, while spreading the cost over manageable repayments.

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Get a personalised quote and explore loan options that fit your plans.

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**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.

Find the right loan to
power your next big move

No asset security required

Unsecured
Personal Loan

A flexible loan that can be used for a range of personal needs without using a vehicle as security.

From

5.95

Interest rate

From

5.95

Comparison rate*

Backed by an eligible vehicle

Secured
Personal Loan

A flexible loan that can be used for a range of personal needs, secured against a vehicle to potentially access a lower estimated rate.

Borrow from $15,000 to $100,000
Reduced interest rate backed by a vehicle
Funds paid to your account**
Up to 4 loan purposes
Flexible loan terms
No fees

From

5.95

Interest rate

From

5.95

Comparison rate*

**Excludes Debt Consolidation, which is paid directly to creditors.

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A home renovation loan is a type of personal loan designed to help you finance home improvements, repairs, or upgrades. You can use it for almost any project — from kitchen and bathroom remodels to extensions, landscaping, or rebuilding.

With NOW Finance, you can choose between:

Unsecured Personal Loan: $5,000 – $50,000 (no fees)
Secured Personal Loan: $15,000 – $100,000 (no fees)

Every loan comes with fixed rates, flexible terms, and no fees ever, giving you clear and manageable repayments.

A home renovation loan can be used to finance almost any type of home improvement project, including:

Bathroom or kitchen remodels and upgrades
Painting, flooring, or interior updates
Extensions and home additions
Outdoor projects such as patios, decks, or landscaping
Repairs or rebuilding after damage

In general, if it enhances, repairs, or modernises your home, a NOW Finance Home Renovation Loan can help you cover the cost, with no fees and flexible repayment terms.

With NOW Finance, you can borrow between $5,000 and $50,000 for unsecured loans, or up to $100,000 for secured loans, to fund your home renovation or improvement project.

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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We talk a lot about “No fees”, but what does that mean?

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.