Joint Loans

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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 Australian-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 deb.

  • 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)

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Things you should know

Applications for finance are subject to NOW FINANCE’s lending and approval criteria. Terms, conditions, fees and charges may apply. For example, there is usually an establishment fee and a monthly administration fee applicable. Settlement times may vary depending on individual circumstances. Loan repayment terms range between 18 months to 7 years.

No Fee Personal Loan: No fees apply only to approved applicants for loan amounts between $5,000 to $15,000. Charges such as default or enforcement costs may apply if you do not comply with the terms of your loan. Interest rates range from 6.95% p.a. (6.95% p.a. comparison rate) to 17.95% p.a. (17.95% p.a. comparison rate). See below for information on comparison rates.

Unsecured and Secured Personal Loans: Unsecured interest rates start from 6.95% p.a. (8.56% p.a. comparison rate) to 17.95% p.a. (19.51% p.a. comparison rate). Secured interest rates start from 5.95% p.a. (7.60% p.a. comparison rate) to 15.45% p.a. (17.07% p.a. comparison rate). See below for information on comparison rates.

*About Comparison Rates

The Comparison Rate is designed to help you understand the overall cost of the personal loan. It combines the amount of the loan, loan term, repayment frequency, interest rate, fees and charges into a single rate to show the total true cost of the loan. The comparison rates for the NOW FINANCE no fee personal loans are based on a loan of $10,000 over 3 years. The comparison rates for the NOW FINANCE unsecured and secured personal loans are based on a loan of $30,000 over 5 years. WARNING: The comparison rates given are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

NOW FINANCE is a trademark of Now Finance Group Pty Ltd ACN 158 703 612 Australian Credit Licence number 425142, as agent for NF Finco 2 Pty Ltd ACN 164 213 030