Personal Loans & Car Loans

Getting a loan with NOW Finance is simple, fast, and completely online, whether you’re looking for a personal loan or a car loan. Here’s how it works:

1. Get your personalised rate, Check your rate in under 2 minutes with no impact on your credit score.
2. Apply online, Complete your application and provide a few details about your loan.
3. Receive funds fast, Once approved and your ID is verified, your funds can be in your account in as little as 24 hours.

All with no ongoing fees, no surprises, and none of the bank.

Almost . All NOW Finance Personal Loans, whether secured or unsecured, come with no fees ever. That means no establishment, monthly, or early repayment fees, just transparent loans with a fixed interest rate.

Our Vehicle Loans include a $595 establishment fee to cover vehicle setup and registration costs. Beyond that, there are no additional fees or extra charges.

With NOW Finance, every loan is designed to be clear, fair, and none of the bank.

No. Getting a quote for a Car Loan or Personal Loan with NOW Finance won’t affect your credit score.

When you request a quote, we perform a soft credit enquiry (known as an Access Seeker check) to check your eligiblity and provide you with a personalised quote. This won’t impact your credit score.

If you decide to proceed with a full loan application, we will do a full credit check (known as a hard enquiry). This may appear on your credit file (as is standard with all lenders) and could impact your credit score.

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. Once 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.

You sure can, and there are no exit fees.

You can use a NOW Finance personal loan for almost any personal purpose. This could include a holiday, home improvements, household furnishings, purchasing or repairing a vehicle, vehicle upgrades, medical or dental expenses, wedding or funeral costs, or sporting equipment.

Unacceptable loan purposes include:

• Mortgage, rent or credit arrears
• Tax debts
• Payment of defaults or court judgements
• Business purposes

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.