Joint Loans

Apply together with your partner to unlock exclusive benefits.

Apply for a loan with your partner quickly and easily.


A joint loan is a type of loan two people in a relationship may apply for. The couple must live at the same address and have a recognised relationship (married, de facto, etc.) If a couple is approved for a joint loan, they are known as co-borrowers. That means they are both equally responsible for repaying the loan. Before applying, you should check if both borrowers meet our eligibility criteria.

Joint Loans

If you and your partner are looking to finance your dream wedding, share the cost of a car, or make a major home upgrade, a joint loan may improve your borrowing capacity.


Your Australia-based Personal Loan Advisor can help you through the application process so you can get moving on your plans sooner rather than later.

Together is Better

There may be a number of reasons why you would apply for a NOW Finance joint personal loan.

  • If you’re planning to buy a car, and need a loan to cover the cost.
  • Your forever home needs some renovation or new furniture.
  • If you’re thinking to use a loan to pay for your wedding, honeymoon, or a holiday.
  • Or maybe is time to consolidate your debts and improve your financial life.

Your reasons for seeking a NOW Finance joint personal loan will be specific to you and your partner.

Before applying, you should consider and remember:

  • Your household income will be used to service the joint debt.
  • You should be living at the same address and be in a relationship with your co-applicant.
  • You will both need to meet our eligibility criteria.
  • You will both be equally responsible for repaying the loan. If one of you becomes incapable of meeting the repayments, the other borrower nevertheless must continue to make the contracted repayments to NOW Finance.

Eligibility Criteria

In order to apply for a personal loan with NOW Finance applicants must fulfill the following criteria.

  • Be at least 18 years or older.
  • Be an Australian citizen or permanent resident.
  • Have no defaults (paid or unpaid) or active payday loans.
  • Be employed (not on probation): Full time, part-time, self-employed (tenure more than 24 months) or casual (tenure more than 6 months).
  • Not be current or prior bankrupt or have a court judgement.
  • Centrelink can be used as a secondary income in conjunction with PAYG income.
  • Have acceptable identification, either:

    • Australian Passport (current or expired within the last 24 months) OR
    • An Australian Drivers Licence (current) and Medicare card (current)

Joint Loans

Apply together with your partner to unlock exclusive benefits...
Learn more

Secured Personal Loans

Use your Car, Motorbike, Boat or Caravan as security for a lower interest rate...
Learn more

Once approved, you could get funds in your account in 24-48 hours

Our application process is easy

Eligibility Confirmation

We confirm your eligibility

Repayment capacity

We check your repayment capactity

Documentation and ID

We check your ID to make sure it is you

Receiving your funds

Nominate a bank account for deposit

Get your personalised rate in less than 2 minutes