car loans
Drive away with the right loan.
From application to ignition, secure your vehicle loan with ease and confidence.
Get a rate in 2 minutes
Won’t impact your credit score
Fast and easy completion on your phone
Everything on your time. Everything with NOW
Take the next step backed by the right vehicle loan.
Ways to Use Your Loan
4 key benefits of a Vehicle Loan
Buy a new car
Finance the latest model with modern features and peace of mind.
Buy a used vehicle
Get a pre-owned vehicle that suits your lifestyle and budget.
Buy a boat
Make waves with your own boat, ideal for weekends on the water.
Buy a motorcycle
Hit the road on two wheels, perfect for commuting or weekend rides.
And more...
From utes to scooters, whatever moves you, we’re here to help finance it.
Check your rate in minutes
Get a personalised rate and explore loan options that fit your plans.
Find the right loan to
power your next big move
Car Loans
Whether it’s paying off existing debt, funding something special, or covering unexpected costs, our Unsecured Personal Loan makes it easy to borrow what you need with no security required.
From
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pa
Interest rate
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Comparison rate*
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.
It’s easy to get a loan with NOW
It’s quick, secure, and paper-free, from your quote to your cash.
It takes 2 minutes to get your personalised quote without impacting your credit score.
Complete your online application and get a response in 2 minutes.
Access your funds within 24-48 hours of being approved.
Ways to Use Your Loan
Rates & Repayments
Fixed repayments
Weekly, fortnightly or monthly repayment options
No early repayment fees
Borrow $3,000–$150,000
Dream loan for that dream car
Whether you’re a first-time buyer or upgrading to something sweet, your NOW Finance car loan is tailored to suit you.
Borrow from $3,000 up to $150,000.
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
Tying the knot without the stress
Smooth sailing into the next chapter
- NOW Finance Loans, Explained
To be eligible for a NOW Finance loan, you must:
- Be an Australian citizen or permanent resident (temporary visa holders aren’t eligible).
- Have steady employment as your main income source and not be on probation.
- Self-employed? You’ll need 2 years of business activity.
- Casual role? At least 3 months of employment.
- Have no bankruptcies or unpaid defaults.
- Provide a valid Australian Passport or Driver’s Licence for ID verification.
- Be 18 years or older.
Yes. But only one. NOW Finance Car Loans have an upfront $595 establishment fee but that’s it, there are no other fees.
That means:
- No monthly fees
- No extra repayment fees
- No exit fees
This simple and transparent approach means you can make extra repayments anytime with no fees or penalties. This helps you pay off your loan faster and save on interest, giving you more flexibility and control over your finances.
You can get a personalised quote in just 2 minutes, without impacting your credit score.
Once you submit your full application, our initial assessment usually takes around 2 minutes. One your application is approved and your identity has been verified, funds can be transferred to your account in as little as 24 hours. Once you submit an application, you’ll receive a personalised quote in just 2 minutes without affecting your credit score. If you decide to proceed, most applications are assessed within 1-2 business days, and if everything’s in order, your funds can be transferred to your account in as little as 24 hours.
The documents required may vary depending on your financial situation, but you’ll generally need to provide:
- A current ID, either an Australian Passport or a valid Australian Driver’s Licence
- Recent bank statements showing your income, expenses, and savings
- Payslips or proof of income
- Employment details, including at least 12 months of history where applicable
Having these documents ready helps speed up your loan assessment and ensures a smoother application process.
You sure can, and there are no exit fees.
The NOW Finance team are ready to take your questions:
Call Us: 1300 275 669 (Mon-Fri 9am-6pm Sydney/Melbourne time)
Send a question: Click here
Email Us: customerservice@nowfinance.com.au
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You planned the wedding
Not the honeymoon...
Now you get it.
Why choose NOW Finance
We’re not a bank, and that’s a good thing.
No ongoing fees
Fixed repayments
Flexible terms (18
months–7 years)
Fast & easy online
application
Highly rated customer experience