No Fee Personal Loan

Home  >  Personal Loans   >   No Fee Personal Loan

$5k to $15k loans with no fees – EVER!

Borrow between $5k-$15k with NOW FINANCE and pay no establishment, monthly or early repayment fees over the lifetime 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
  • Loan amounts from $5k up to $15k
  • 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 our 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 Australian-based loan advisor

No-fuss application and settlement process

Why NOW?

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

Learn More

About us

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

Learn More

Contact Us

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

Learn More

Ready to start?

Our loan application is simple and secure

Call 1300 275 669
Get Started

Loan Categories

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

Vehicle Finance
Medical & Dental Loa...
Travel Loan
Home Renovation Loan
Debt Consolidation L...
Things you should know

Applications for finance are subject to NOW FINANCE’s lending and approval criteria. Terms, conditions, fees and charges may apply. For example, there is usually an establishment fee and a monthly administration fee applicable. Settlement times may vary depending on individual circumstances. Loan repayment terms range between 18 months to 7 years.

No Fee Personal Loan: No fees apply only to approved applicants for loan amounts between $5,000 to $15,000. Charges such as default or enforcement costs may apply if you do not comply with the terms of your loan. Interest rates range from 6.95% p.a. (6.95% p.a. comparison rate) to 17.95% p.a. (17.95% p.a. comparison rate). See below for information on comparison rates.

Unsecured and Secured Personal Loans: Unsecured interest rates start from 6.95% p.a. (8.56% p.a. comparison rate) to 17.95% p.a. (19.51% p.a. comparison rate). Secured interest rates start from 5.95% p.a. (7.60% p.a. comparison rate) to 15.45% p.a. (17.07% p.a. comparison rate). See below for information on comparison rates.

*About Comparison Rates

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 no fee personal loans are based on a loan of $10,000 over 3 years. The comparison rates for the NOW FINANCE unsecured and secured personal 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 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