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.

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Interest rate per annum

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Comparison rate per annum*

Benefits

  • 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.

Eligibility

  • 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

APPLY ONLINE

or call 1300 275 669

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THINGS YOU SHOULD KNOW

Applications for finance are subject to NOW Finance’s lending and approval criteria. Terms and conditions may apply. No fees only apply to new loans. 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. 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*).

*ABOUT COMPARISON RATES

The Comparison Rate is designed to help you understand the overall cost of the personal loan by taking into account fees and charges, the loan amount and the term 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 so the Comparison Rate will always equal the interest rate quoted.

^CONFIRMED RATE

Your 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.

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