Make your spring a
show-stopper - Competition closed
Planning a spring glow up? Share your plans and you could win a $1,000 Bunnings eGift Card.
Won’t impact your credit score
Get a rate in 2 minutes
Fast and easy completion on your phone
Spring’s the season of winners, from blooming gardens to blue-ribbon pigs and Brownlow medals. NOW Finance is proud to provide show-stopping personal loans, with competitive rates, no fees, and none of the bank.
Got a winning moment planned this spring? We’ll help make it happen. Plus, you’ll go in the draw to win 1 of 5 $1,000 Bunnings Warehouse eGift Cards.
How to enter
Win 1 of 5 $1,000 Bunnings eGift Cards
Share your plans
Submit the form below telling us what spring plans you have coming up.
Get a quote
Submit the form below telling us what spring plans you have coming up.
Apply for a loan
Happy with your quote and ready to get your plans underway? Apply for a personal loan.
Customers may complete each eligible action once to receive the corresponding number of entries. Customers may complete all three actions to increase their chances of winning one of five $1,000 Bunnings Warehouse eGift Cards. Obtaining a quote will not affect your credit report. However, submitting a loan application will result in a credit enquiry being recorded on your credit file, which may impact your credit score. We’ll disclose this during the application process. All loan applications are subject to lending and approval criteria. Customers should review the full terms and conditions before taking part in this competition. The promotion is valid until 11:59pm AEDT on 30 November 2025. Permit No ACT TP 25/02058.
Everything on your time. Everything with NOW
Take the next step
backed by the right loan.
One of Australia’s most awarded
non-bank personal lenders
Recognised year after year by Finder, Mozo, and WeMoney, our Personal Loans are known for no fees, fair rates, and a simpler way to borrow.
personal loan repayment calculator
Understand your
borrowing power
Quickly estimate your repayments to
see how our loans can work for you.
It’s easy to get a loan with NOW
It’s quick, secure, and paper-free — from your quote to your cash.
1. Check your rate
It takes 2 minutes to get your personalised quote
without impacting your credit score.
2. Apply online
Complete your online application and get a
response in 2 minutes.
3. Get funds
Access your funds within 24-48 hours of
being
approved.
Customer Stories: real people, real progress
Discover how everyday Australians are achieving their goals with a little help from us
Memories over miles: Our family adventure
After the Covid lockdowns, our NOW Finance loan made it possible to take our two boys to the Philippines to visit my 91-year-old grandma.
Smooth sailing into the next chapter
The NOW Finance team is top-notch, making the process simple and achievable, putting the big banks to shame!
Tying the knot without the stress
With the invaluable assistance of a NOW Finance loan, my husband and I were able to turn our dream wedding and honeymoon in Italy into a remarkable reality.
Memories over miles: Our family adventure
After the Covid lockdowns, our NOW Finance loan made it possible to take our two boys to the Philippines to visit my 91-year-old grandma.
Smooth sailing into the next chapter
The NOW Finance team is top-notch, making the process simple and achievable, putting the big banks to shame!
Tying the knot without the stress
With the invaluable assistance of a NOW Finance loan, my husband and I were able to turn our dream wedding and honeymoon in Italy into a remarkable reality.
The ultimate ride
Thanks to NOW Finance, I finally bought the motorbike of my dreams, my first brand-new bike ever!
The road trip of a lifetime
Thanks to our NOW Finance loan, we consolidated debts and took a once-in-a-lifetime caravan trip around Australia. It wouldn’t have been possible without them!
A life-changing journey
NOW Finance approved my loan in a few days, making my trip to Hua Hin, Thailand, possible. That journey changed my life, I now support the Hutsadin Elephant Foundation, helping rescued elephants.
Rates & Repayments
Fixed repayments
Weekly or fortnightly
repayment options
No early repayment fees
Borrow $5,000–$100,000
Tips & articles
Helpful articles to make your financial journey easier.
Hidden Costs To Watch Out For When Applying For Personal Loans
How Personal Loans Can Be A Stepping Stone To Financial Freedom (If Used Strategically)
Quick Links
Important Information
All applications for finance are subject to NOW Finance’s lending and approval criteria. No fees apply only to new NOW Finance Secured Personal Loans and new NOW Finance Unsecured Personal Loans. An establishment fee of up to $595 applies to NOW Finance Car 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.
Comparison Rates are designed to help you understand the overall cost of a personal loan by taking into account the interest rate, fees and charges, the loan amount, and the loan term. All comparison rates shown are based on a loan of $30,000 over 5 years for the respective product type referenced.
- Loan terms: 18 months to 7 years
- Loan amount: $5,000 – $50,000 (Unsecured); $15,000 – $100,000 (Secured)
- Interest rates: 5.95% p.a. – 26.95% p.a. (Unsecured); 5.95% p.a. – 21.65% p.a. (Secured)
- Comparison rates: 5.95% p.a. – 26.95% p.a. (Unsecured); 5.95% p.a. – 21.65% p.a. (Secured)
- Loan terms: 18 months to 7 years
- Loan amount: $3,000 to $150,000
- Interest rates: 7.59% p.a. – 15.39% p.a.
- Comparison rates: 8.43% p.a. – 16.29% p.a.
Your personalised quote will provide you with an estimate of your interest rate and repayments. The final rate offered, if one is offered, may differ once you have completed a loan application and told us about your personal financial circumstances and credit history.
WARNING: This comparison rate is 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.
Representative example: A borrower with excellent credit taking out a $30,000 NOW Finance Unsecured Personal Loan over 5 years at an interest rate of 5.95% p.a. (5.95% p.a. comparison rate), would pay an estimated total of $34,703.50 using the fortnightly payment option. Rates on offer are subject to change without notice.