Why choose NOW Finance


  • Lower rate for customers with better credit history
  • Can apply online
  • Both secure and unsecure personal loans can be found


  • Higher rate for customers with worse credit history
  • No branch access
  • No redraw facility

NOW Finance Personal Loans

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No Fee Joint Personal Loan
Real Time Rating™
1 to 7 years
Fixed Rate
No ongoing fees


Pay no fees over the lifetime of your loan with NOW Finance. T&C’s apply.
Australian Credit Licence 411227
Interest Rate
Comparison Rate*
Monthly repayment
Total repayments



Fixed up to 26.95%




Fixed up to 26.95%


60 months

Australian Credit Licence 411227

Features of a NOW Finance personal loan

NOW Finance offers borrowers access to both secured personal loans and unsecured personal loans, which can be used for a range of uses. NOW Finance offers unsecured personal loans from $5,000 to $50,000, which can be paid back over a period of between 18 months and seven years.

Personal loans from NOW Finance can be used to pay for a car, holiday, funeral, medical bills, debt consolidation, home improvement and weddings. NOW Finance offers borrowers access to a dedicated personal loan advisor who will help you manage and assess your loan application.

NOW Finance offers personalised interest rates, which means borrowers get different interest rates, depending on their credit history, credit score, employment status, cash flow and loan amount.

NOW Finance personal loans – customer service

NOW Finance doesn’t have any branches, but they can be reached by internet or phone:

  • Online enquiry
  • Phone, Monday to Friday, 9am – 6pm, Melbourne time/AEDT

Who is eligible for a NOW Finance personal loan?

To be eligible for a NOW Finance personal loan you’ll need to meet the following criteria:

  • Be 18 years or over
  • Be an Australian citizen or permanent resident
  • Have a minimum income of at least $22,100 per annum
  • Have no outstanding defaults, court judgements, writs or bankruptcies listed on your credit file
  • Have proof of income and employment
  • Single and joint applicant loans available

How to apply for a NOW Finance personal loan?

To apply for a NOW Finance personal loan, borrowers can apply online through the website. The application process takes around 10 minutes to complete and involves the following steps:

  • Get a free online quote and calculate your interest rate estimate – with no impact on your credit score
  • Apply for a personal loan online or via phone with a personal loan adviser
  • NOW Finance will assess your application and will be in contact if any additional information is needed
  • Once approved, the funds are transferred into your nominated bank account

At the time of application, you’ll need to provide the following documentation:

  • Proof of identity
  • Proof of income and employment
  • Details of any other financial commitments

NOW Finance personal loans review

NOW Finance offers unsecured personal loans of between $5,000 and $50,000. Depending on your credit history and a range of other factors, a NOW Finance personal loan will have a tailored fixed interest rate. If you don’t have a great credit history, this personal loan may not offer the most competitive interest rates.

NOW Finance personal loans are unsecured, which means you don’t have to provide collateral or security to get approval. Borrowers can choose between weekly or fortnightly payments, and have the option to repay their personal loan over a period of 18 months to seven years. 

Borrowers who apply for a loan with NOW Finance will have access to a personal loan advisor who will provide a consistent point of contact if you need to contact the company.

Before applying for a NOW Finance personal loan, always do your research and compare your personal loan options to make sure you’re getting a loan that suits your budget, needs and lifestyle.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.