NOW Finance personal loans

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About NOW Finance Personal loans:

NOW Finance is an Australian-owned and based financial company that focuses on offering great personal loans to Aussies who need a little extra cash for their big spending goals. NOW Finance is also a 2024 Mozo Experts Choice Personal Loan Award-winner, winning awards for best Excellent Credit Used Car Loan and best Excellent Credit Unsecured Personal Loan.

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Last updated 16 July 2025 Important disclosures and comparison rate warning*

NOW Finance personal loans

  • Unsecured Personal Loan

    • Fixed
    Interest rate from
    6.45 % p.a.
    to
    26.95 % p.a.
    Comparison rate from
    6.45 % p.a.
    to
    26.95 % p.a.
    Based on $30,000 over 5 years
    Monthly repayment
    $613
    Go to site

    Borrow up to $50,000 unsecured. Perfect if you earn more than $22,100 p.a. and have good to excellent credit. Multi-year winner of Mozo’s Experts Choice Unsecured Personal Loan Award, 2021, 2022, 2023 & 2024^'

  • Secured Personal Loan

    • Fixed
    Interest rate from
    6.45 % p.a.
    to
    21.65 % p.a.
    Comparison rate from
    6.45 % p.a.
    to
    21.65 % p.a.
    Based on $30,000 over 5 years
    Monthly repayment
    $613
    No Partner link

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NOW Finance products

FAQs about NOW Finance personal loans

What is NOW Finance?

NOW Finance is an Australian personal loans specialist with a focus on fee-free fixed-rate loans.

What types of personal loans does NOW Finance offer?

NOW Finance provides unsecured loans for various purposes, including:

  • Debt consolidation
  • Home improvements
  • Travel expenses
  • Medical and wedding costs
How do I apply for a NOW Finance personal loan?

Eligible borrowers can submit a personal loan application via the NOW Finance website. You’ll need to provide some important information such as ID, proof of income, and details about your desired loan amount and purpose.

Who is eligible for a NOW Finance personal loan?

To be eligible for a NOW Finance personal loan, you must:

  • Be 18 years or older
  • Be an Australian resident
  • Have a good to excellent credit score
  • Have stable income sources

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* WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

^See information about the Mozo Experts Choice Personal Loan Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

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