No Fee Personal Loan

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Pay zero fees for all loans

Borrow between $5k-$100k with NOW Finance and pay no establishment, monthly or early repayment fees over the life of your loan.

Feel even more confident with fixed repayments and flexible loan terms tailored to your lifestyle and budget. You will be able to relax knowing you have the same repayment every time.


Interest rate per annum


Comparison rate per annum*


  • Flexible repayment options.
  • You can also choose to make extra repayments on top of your regular repayments at no charge.
  • We can approve your personal loan in advance, so you can make your purchase with confidence.
  • Unsecured loan amounts from $5k up to $50k from 5.95%.
  • Secure your loan and borrow up to $100k from 4.45%.
  • Competitive interest rate to save you money.
  • Fixed repayments for better budgeting.


  • Be 18 years or over.
  • Australian citizen or a permanent resident.
  • Permanently employed, earning over $22,100 p.a.
  • No defaults or prior bankruptcy.
  • Current acceptable identification.

No Fees

  • No establishment fees.
  • No fees or penalties for paying out your loan early.
  • No fees for making additional payments.

Why choose us?

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

  • Competitive interest rates.
  • Applications are reviewed on a case-by-case basis, unique to your individual circumstances.
  • A credible and viable solution to budget management.
  • You’re helped by your own Australia-based personal loan advisor.
  • We personalise our service to suit you and your needs
  • Repayment plans from 18 months to 7 years.

Applying online is easy

Our online application typically only take 10 minutes.

  1. Eligibility Check Check whether you are eligible to apply
  2. Personal Details Tell us about your personal circumstances
  3. Confirmed Rate ^ Get offered a guaranteed personalised rate
  4. Financial Details Tell us about your financial position
why now

Why NOW?

We provide a range of personal loans designed specifically to meet the needs of our customers...
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About us

Our personal loans aren’t just personal by name, they’re personal by nature...
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Contact us

Contact Us

If you have any questions, please contact us on 1300 275 669 - Monday to Friday, from 9am to 6pm (Me..
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Joint Loans

Apply together with your partner to unlock exclusive benefits...
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Secured Personal Loans

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