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Privacy and Credit Reporting Policy

This policy provides information as to the kind of personal information that we collect and the ways we use it. The privacy policy references our role in the disclosure of personal information, information security, credit reporting, and the collection of non-personal information.

Statement of Notifiable Matters

The Statement of Notifiable Matters sets out important information about credit reporting, our roles and responsibilities, and how we may disclose your personal information to credit reporting bodies.

Terms of Use

This policy seeks to clarify our position on the terms and conditions that apply to use on this website. the policy includes details such as disclaimers, intellectual property rights, indemnity, privacy policies, and governing law in Australia.

Why NOW?

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

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How it works

NOW FINANCE has a simple 4-step process for you to access a personal loan.

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About us

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

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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.

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Whistleblowing policy

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