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.

  • That you will both need to meet our eligibility criteria.

  • That you will both be equally responsible for repaying the loan. If one of you becomes incapable of meeting the repayments, the other borrower nevertheless 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)

Ready to start?

Our loan application is simple and secure

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Get Started

Get your loan in a few simple steps

Step 1.

Eligibility check

To start, we ask you a few simple questions to ensure you're eligible to apply

Step 2.

Personal details

Next, we ask you to answer a few questions about your personal situation so we can offer you a truly personalised rate

Step 3.

Loan details

Once you have your personalised rate, you have the option to adjust your preferred repayment schedule, term, and borrowing amount

Step 4.

Financial details

When we know a bit about you and what you'd like to borrow, we ask a bit about your financial position to make sure our loan suits your needs

(Submission of an application affects your credit file)

Loan Categories

We provide a range of flexible personal loans designed to suit your needs.

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Approved customers only. Terms, conditions, fees and charges apply. All applications are subject to NOW FINANCE’s lending and approval criteria. Settlement times may vary depending on circumstances. Loan repayment terms range from 18 months to 7 years. Interest rates range from 7.45% p.a. (9.07% p.a. comparison rate) to 16.95% p.a. (18.53% p.a. comparison rate).

*Comparison rates are based on a loan of $30,000 over 5 years.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with the interest rate of 7.45% p.a. (9.07% p.a. comparison rate), would estimate to a minimum total amount payable of $37,741.60 via the weekly payment option (including a $495 establishment fee and $13 per month administration fee). Rates are subject to change.

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