Make your next big move today with a no-fee Personal Loan.
Get a rate in 2 minutes
Won’t impact your credit score
Fast and easy completion on your phone
Take the next step backed by the right loan.
Ways to Use Your Loan
Debt Consolidation
Combine your debts into one simple loan and take back control.
Home Renovation
Upgrade your space. From kitchens to gardens and everything between.
Travel
Book that dream holiday, visit family, or take a well-earned break.
Medical & Dental
Cover unexpected or planned medical, dental, or cosmetic expenses.
And more...
Weddings, Funerals, Education / Study & Other Needs (Tech, etc.)
Check your rate in minutes
Get a personalised quote and explore loan options that fit your plans.
Understand Your Borrowing Power
Understand Your Borrowing Power
Repayment Calculator
Estimate your repayments in seconds.
Don't know your credit score? Click here to find out.
There are various credit reporting agencies that can hold different information and scores. NOW Finance uses Equifax to determine your credit score and interest rate. You can access your Equifax credit report and credit score by visiting: www.equifax.com.au/personal
**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.
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.
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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.
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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 quick, secure, and paper-free, from your quote to your cash.
It takes 2 minutes to get your personalised quote without impacting your credit score.
Complete your online application and get a response in 2 minutes.
Access your funds within 24-48 hours of being approved.
Fixed repayments
Weekly or fortnightly
repayment options
No early repayment fees
Borrow $5,000–$100,000
Get your personalised quote in 2 minutes without impacting your credit score.
Even with the same interest rate, a $30,000 personal loan over 5 years with NOW Finance typically costs $1,000 to $2,000 less than with other lenders, because fees do add up over time.
Monthly fees are usually charged as you go
With some lenders, $15/month becomes $900 over 5 years.
At NOW Finance, you pay $0.
Upfront fees increase your total loan cost
Other lenders charge a $250 setup fee, which can end up costing you around $450 once interest is added.
NOW Finance = $0 upfront.
Most borrowers miss 1–3 payments over the loan term
3 missed repayments can still cost you $45 in fees with some lenders.
NOW Finance skips the fees.
Discover how everyday Australians are achieving their goals with a little help from us
The road trip of a lifetime
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Getting a loan with NOW Finance is simple, fast, and completely online, whether you’re looking for a personal loan or a car loan. Here’s how it works:
All with no ongoing fees, no surprises, and none of the bank.
To be eligible for a NOW Finance loan, you must:
Yes, you may be able to refinance your NOW Finance Personal Loan to better suit your current financial situation. Refinancing means replacing your existing loan with a new one, which may offer lower interest rates, different repayment terms and access additional funds.
You might consider refinancing if your credit score has improved, your income has increased, or market rates have dropped.
Please note that refinancing involves a new credit assessment and credit check, and eligibility depends on your existing loan balance and our lending criteria. There is a minimum additional lend of $3,000 required to refinance an existing loan. Make sure to review your personal circumstances and the loan terms to ensure refinancing is suitable for you.
NOW Finance offers flexible loan terms ranging from 18 months (1.5 years) to 7 years (84 months). You can choose a term that suits your budget and goals.
There are no fees for extra repayments or early payout, so you can pay off your loan faster and save on interest if you choose.
You can use the NOW Finance Repayment Calculator to explore different term lengths and find the best option for your budget and goals.
No. NOW Finance Personal Loans have no fees, ever.
That means:
You’ll only ever pay interest on the amount you borrow.
Please note that our Car Loans include a once off establishment fee. Like our Personal Loans, there are no monthly fees, extra repayment or exit fees.
You can get a personalised quote in just 2 minutes, without impacting your credit score.
Once you submit your full application, our initial assessment usually takes around 2 minutes. Once your application is approved and your identity has been verified, funds can be transferred to your account in as little as 24 hours. Once you submit an application, you’ll receive a personalised quote in just 2 minutes without affecting your credit score. If you decide to proceed, most applications are assessed within 1-2 business days, and if everything’s in order, your funds can be transferred to your account in as little as 24 hours.
No. Getting a quote for a Car Loan or Personal Loan with NOW Finance won’t affect your credit score.
When you request a quote, we perform a soft credit enquiry (known as an Access Seeker check) to check your eligiblity and provide you with a personalised quote. This won’t impact your credit score.
If you decide to proceed with a full loan application, we will do a full credit check (known as a hard enquiry). This may appear on your credit file (as is standard with all lenders) and could impact your credit score.
Our Vehicle Loans are secured by your vehicle, which means there are additional setup and registration requirements. The $595 establishment fee covers the cost of securing and registering your car as part of the loan.
Our Personal Loans, whether secured or unsecured, have no fees ever. That means no establishment, monthly, or early repayment fees.
With NOW Finance, you always know exactly what you’ll pay, no hidden fees, no surprises, none of the bank.
Almost . All NOW Finance Personal Loans, whether secured or unsecured, come with no fees ever. That means no establishment, monthly, or early repayment fees, just transparent loans with a fixed interest rate.
Our Vehicle Loans include a $595 establishment fee to cover vehicle setup and registration costs. Beyond that, there are no additional fees or extra charges.
With NOW Finance, every loan is designed to be clear, fair, and none of the bank.
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We’re not a bank, and that’s a good thing.
No fees
Fixed repayments
Flexible terms (18
months–7 years)
Fast & easy online
application
Highly rated customer experience
Get your personalised quote in 2 minutes
Apply online in 10 minutes, with funds as soon as 24-48 business hours.