Personal Loans & Car Loans

You can check your eligibility for a personal or car loan in minutes using our Eligibility Calculator. It’s fast, free, and won’t affect your credit score.

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.

At NOW Finance, we want every interaction you have with us to be positive. If you’re not satisfied with your experience with NOW Finance, we’d like to hear from you.

To make a complaint, you can:
Email us: [email protected]
Call us: 1300 275 669 (Mon-Fri 9am-6pm Sydney/Melbourne time)

Yes, NOW Finance offers joint personal loans for couples living at the same address. Both applicants share equal responsibility for the loan and its repayments.

To apply, select “With my partner” when getting your rate. Both applicants will need to:

• Meet our loan eligibility criteria,
• Provide bank statements, and
• If the application is approved, verify their identity before the loan is settled.

Applying jointly may help increase your borrowing power.

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 for our Personal Loans, 6 months for our Vehicle Loans.
• Have no bankruptcies or unpaid defaults.
• Provide a valid Australian Passport or Driver’s Licence for ID verification.
• Be 18 years or older.

No. NOW Finance Personal Loans have no fees, ever.

That means:

• No establishment fee
• No monthly fees
• No extra repayment fees
• No exit fees

You’ll only ever pay interest on the amount you borrow.

Please note that our Car Loans include a once off establishment fee. Like our Personal Loans, there are no monthly fees, extra repayment or 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: [email protected]