No Fee Personal Loans

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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.


Because our loans are simple, tailored, and hassle-free

Simple and easy-to-understand personal loans

You get personalised service from an Australia-based personal loan advisor

No-fuss application and settlement process

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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

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

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Our loan application is simple and secure

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New loans only. Applications for finance are subject to NOW Finance’s lending and approval criteria. Terms and conditions may apply. No fees apply however if you do not comply with the terms of your loan, we may pass on to you any third party enforcement or recovery costs incurred by us. Settlement times may vary depending on individual circumstances. Loan repayment terms range between 18 months to 7 years. For unsecured loans you can borrow between $5,000 to $50,000 with interest rates ranging from 5.95% p.a. (5.95% p.a. comparison rate*) to 17.95% p.a. (17.95% p.a. comparison rate*). For secured loans you can borrow between $15,000 to $100,000 with interest rates ranging from 4.45%p.a. (4.45% comparison rate*) to 15.45% p.a. (15.45% p.a. comparison rate*).  


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 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 does not charge any fees therefore the true cost of the loan or Comparison Rate will always equal the interest rate quoted.


An unsecured personal loan of $30,000 borrowed for 5 years with the interest rate of 5.95% p.a. (5.95% p.a. comparison rate), would estimate to a minimum total amount payable of $34,686.60 via the weekly payment option. Rates are subject to change.


Our confirmed guaranteed personalised rate may change if you provide NOW Finance with incorrect personal information or security details. In some circumstances, NOW Finance may require further information from you in order to provide you with your guaranteed personalised 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