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Minimum and maximum loan periods vary between 6 months and 10 years. Comparison
interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between
$1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan
of $10,000 for a term of 3 years. 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. These rates can change without further
notice. All rates quoted are per annum. For more information regarding fees click on "View
fees & additional info +" for each product or contact the provider.
What type of loan are you looking for?
NOW Finance personal loans – Find friendly lending solutions
What’s better than having your own advisor when taking out a personal loan? It may be a step up from other lenders, but with a NOW Finance personal loan that’s not the only benefit you can count. Get the full picture on whether NOW Finance is the way to go in our guide.
Types of personal loans from NOW Finance
- Unsecured personal loans. A NOW Finance secured personal loan is a popular option that demands no security. You can borrow up to $40,000.
- Secured personal loans. Need to purchase a valuable asset with your NOW Finance personal loan? When you offer your purchase as security for the loan, you can bag an interest rate discount of 1-2.5%. You can also borrow up to $100,000, which is more than you get with an unsecured loan. You can even use an asset you already own so the funds can cover another worthwhile purpose such as a renovation or vacation.
- Joint loans. You and your partner can benefit from this arrangement if you plan to borrow more or manage your debt together. When you both qualify, it’s possible to fund your perfect wedding or other shared expenses. Keep in mind you’ll both be responsible for making repayments.
Features of NOW Finance personal loans
- Loan amounts of between $5,000 and $40,000 for unsecured loans and between $15,000 and $100,000 for secured loans
- Loan terms from 1.5 to 7 years (18-84 months)
- Fixed interest rates, therefore, your repayments won’t change
- Personalised and competitive interest rates based on your credit file and other details
- Weekly and fortnightly repayments
- Early repayments are allowed at no cost
- Hassle-free online application process
- Help from a personal loan advisor
- A wide range of uses
- Prequalify without any credit checks so it won’t impact your credit score
- Single and joint applications available
NOW Finance personal loan purposes
NOW Finance has an impressive number of loan categories designed to suit all types of personal needs:
- Vehicle, boat, or caravan finance
- Medical and dental loans
- Debt consolidation loans
- Student loans
- Home renovation loans
- Travel loans
- Wedding loans
- Furniture loans
Now Finance rates and fees
Interest rates start from 6.95% to 17.96% p.a for unsecured loans but range from 5.45% to 15.45% p.a for secured loans. Your assigned rate depends on factors such as your credit score and personal information.
NOW Finance doesn’t charge any establishment fees, ongoing account keeping fees, or early repayment fees. Therefore, the comparison rate (which represents the loan’s true cost) will always match the interest rate on offer. However, if you fail to stick to your contract, you may have to cover default or enforcement costs.
Details about NOW Finance customer service
A personal loan from NOW Finance comes with exceptional personal service in the form of an Australian-based personal loan advisor. This professional is available to take the first steps of the application process with you and remains on standby during your term. They provide crucial answers about your account, the application process, and other financial bits so you can enjoy a smooth borrowing experience.
To qualify for a NOW Finance loan, you must:
- Be at least 18 years or older
- Be a permanent Australian resident
- Have no paid or unpaid defaults or active payday loans
- Be employed full time, part-time, casually (for more than six months) or self-employed (for more than 24 months)
- Have no previous bankruptcies or court judgements
- Provide acceptable identification such as a current Australian passport, driver’s licence or Medicare card
How to apply for personal loan from NOW Finance
When you click “Go to Site” in the product table above, the link redirects you to NOW Finance’s website where the simple, 4-step online application awaits you. You first submit your personal details then your financial details. Thirdly, you confirm your eligibility, and lastly, you get a guaranteed personalised rate. Once you accept the offer, you can receive funds within 24 to 48 business hours.
To avoid any bumps in the application process, it’s best to have the following readily available:
- Front and back copies of your ID
- Proof of employment and income such as payslips or letter from employer
- Bank statements
- Proof of address
- Proof of rent and mortgage payments where applicable
- Details of any debts you owe
Your personal loan advisor may also require additional documents
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