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NOW FINANCE Unsecured Personal Loan

The details shown below are for a fixed loan between $5,000 and $15,000

The details shown below are for a fixed loan between $15,000 and $40,000

Choose the version of this loan that suits you best

  • Loan: $5,000 $15,000

  • Loan: $15,000 $40,000

Interest rate from
6.95% p.a.to 17.95% p.a.
Comparison rate from*
6.95% p.a.to 17.95% p.a.based on $10,000
over 3 years
Upfront fee
$0
Go to site
Interest rate from
6.95% p.a.to 17.95% p.a.
Comparison rate from*
8.57% p.a.to 19.53% p.a.based on $30,000
over 5 years
Upfront fee
$495
Go to site

Mozo editorial review NOW FINANCE Unsecured Personal Loan

Last updated: 14 October 2020.

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What's hot
  • Borrow from $5,000 up to $40,000
  • Tailored interest rate based on your credit score
  • No fees for loans between $5,000 and $15,000
What's not
  • $495 application fee (for loans over $15,000)
Mozo snapshot

If you have an excellent credit score, then not having assets or property to put down as security, shouldn’t stop you from getting your hands on a low rate personal loan deal. And with the NOW FINANCE Unsecured Personal Loan, it won’t! Get a fixed interest rate tailored to your circumstances, plus the ability to make extra repayments on your loan. Plus, if you are opting for a loan between $5,000 and $15,000 you won't pay any fees! 

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Key features

The NOW FINANCE Unsecured Personal Loan is available for any amount you want to borrow between $5,000 and $40,000, and you can repay it over a term ranging from 18 months to 7 years. It comes with the flexibility to make your repayments either weekly or fortnightly.

The really good news is that the NOW FINANCE Unsecured personal loan interest rate is tailored to suit your credit history. Rates start from 6.95% (8.57% comparison rate*) and the better your credit score, the lower your rate. After all, you’ve put the hard work into keeping an excellent credit score so why settle for an ordinary interest rate?

You can even make extra repayments to pay your loan off quicker and save on interest. 

However, for larger loans there is a $495 application and $13 monthly service fee to account for, and be sure to make your repayments on time to dodge the $35 late payment fee.

BUT, if you are taking out a smaller loan between $5,000 and $15,000, you won't be charged any fees at all. That's right, no fees! 

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Who is it good for

Customisable to you as a borrower, this personal loan is perfect for someone without assets to put up as security, but who wants to be rewarded for maintaining a great credit score.

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Any catches

As an unsecured loan, you’ll usually wind up with a higher interest rate on this product than if you were to opt for a secured personal loan, even if you have a top-notch credit score.

Plus, if you decide to make extra repayments, remember that there’s no redraw facility to access that cash again.

Details

Rates and fees information correct as at 21 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • Fixed

  • 6.95% p.a.to 17.95% p.a. fixed

  • 6.95% p.a.to 17.95% p.a.based on $10,000
    over 3 years

Fees
  • $0.00

  • $0.00

  • $35.00

  • $0.00

  • n/a

Other financial bits
  • $5,000.00

  • $15,000.00

  • 2 Years

  • 7 Years

  • Unsecured

Features
  • Weekly, Fortnightly

  • yes

  • no

  • Rates based on borrower with excellent credit score.

  • none

*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. WARNING: 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.

Details

Rates and fees information correct as at 21 October 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • Fixed

  • 6.95% p.a.to 17.95% p.a. fixed

  • 8.57% p.a.to 19.53% p.a.based on $30,000
    over 5 years

Fees
  • $495.00

  • $13.00

  • $35.00

  • $0.00

  • n/a

Other financial bits
  • $15,000.00

  • $40,000.00

  • 2 Years

  • 7 Years

  • Unsecured

Features
  • Weekly, Fortnightly

  • yes

  • no

  • Rates based on borrower with excellent credit score. Application and monthly fee based on $30,000 loan amount. Applicant must be named on a verifiable mortgage to be eligible for the 1.5% discount.

  • none

*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. WARNING: 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.

Customer Reviews

This product is not currently reviewed.

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