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*

Won’t impact your credit score

Get a rate in 2 minutes

Fast and easy completion on your phone

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.

Check your rate in minutes

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

Find the right loan to
power your next big move

Unsecured Personal Loan

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.

From

5.95

Interest rate

From

5.95

Comparison rate*

Secured Personal Loan

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.

From

5.95

Interest rate

From

5.95

Comparison rate*

Award-winning loans. None of the bank.

Recognised year after year by Finder, Mozo, and WeMoney for simple, no-fee personal loans, and car loans with excellent rates and fees.

It’s easy to get a loan with NOW

It’s quick, secure, and paper-free, from your quote to your cash.

Customer Stories: real people, real progress

Discover how everyday Australians are achieving their goals with a little help from us

#CaravanAustralia

The road trip of a lifetime

Thanks to our NOW Finance loan, we consolidated debts and took a once-in-a-lifetime caravan trip around Australia. It wouldn’t have been possible without them!

#DreamRide

The ultimate ride

Thanks to NOW Finance, I finally bought the motorbike of my dreams—my first brand-new bike ever!

#BoatLife

Smooth sailing into the next chapter

The NOW Finance team is top-notch, making the process simple and achievable, putting the big banks to shame!

NOW Finance and the relevant partner will handle your personal information in line with their privacy policies. We may receive information from the partner to track your activity, confirm whether you qualify for cashback and process your payment.

No. Using NOW Perks does not change the terms of your existing NOW Finance loan. Taking up a separate refinance offer may result in a new loan agreement and different rates, repayments or terms.

No. Econnex and LendUs provide the comparison or referral services. You should review the available products, costs, features and terms and decide whether an option suits your needs.

No. You can choose the option that best suits your needs. Consider the price, features, inclusions, contract terms and service offered by each provider before switching.

Yes. NOW Finance does not charge a fee to access NOW Perks. You should still review the price, features and terms of any product before deciding whether to switch.

Update your details with NOW Finance as soon as possible. Outdated details may delay your cashback payment or prevent us from contacting you.

You will not qualify for cashback if the provider rejects, cancels or cannot complete your switch, or if you do not meet the offer requirements.

First, check that you completed the switch through an eligible NOW Perks link. Tracking times vary by offer. If you have not received a confirmation email within the timeframe shown in the offer terms, contact us and provide: – your full name – the offer you used – the date you completed the switch – any relevant order, application or reference number.

You may no longer qualify for cashback if you: – cancel during the cooling-off period – do not activate or connect the service – do not meet a minimum connection period – do not meet any other requirement in the offer terms.

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Rates & Repayments

Fixed repayments

Weekly or fortnightly
repayment options

No early repayment fees

Borrow $5,000–$100,000

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.