NOW Finance Unsecured Personal Loan

Personal loans from $5,000 with a dedicated personal loan advisor.

This unsecured personal loan can help you cover a range of personal purchases, from a used car, furniture or any other worthwhile expense. You can borrow from $5,000 to $7,999 with loan terms between 18 months and 3 years or borrow $8,000 to $50,000 with loan terms between 18 months and 7 years.

3 things you should know about this loan

  • Tailored interest rate. You will receive a tailored interest rate between 5.95% p.a. and 17.95% p.a. for this loan. You can get your rate before you apply.
  • Advisor. When you apply your application will be assessed by a person. You will continue to have access to this person as your personal loan advisor.
  • No fees. Borrow between $5,000 and $50,000, you won’t have to pay any establishment fees, early repayment fees and administration fees for the lifetime of your loan.

From 5.95% (fixed)

Interest Rate (p.a.)


Comparison Rate (p.a.)


Min Loan Amount

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Product NameNOW Finance No Fee Unsecured Personal Loan
Interest Rate (p.a.)
From 5.95% (fixed)
Comparison Rate (p.a.)5.95%
Interest Rate TypeFixed
Min Loan Amount$5,000
Max. Loan Amount$50,000
Loan SecurityUnsecured
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Main points to consider with this personal loan

You can apply for a no fee unsecured personal loan between $5,000 and $50,000. You'll pay a tailored fixed interest rate of between 5.95% p.a. and 17.95% p.a. for both. You can find out your rate before submitting your full application.

Features on offer with a NOW Finance Personal Loan

It's important to consider if the following features and benefits meet your needs before you apply:

  • No security required. You aren’t required to attach a guarantee on loans under $50,000.
  • Various loan amounts available. You can apply for a loan between $5,000 and $50,000.
  • Up to 7 years to repay. NOW Finance gives you a choice of your loan term, so you'll have between 18 months to 7 years to repay your loan. This gives you a way to structure your repayments in a way to suit your budget.
  • Competitive interest rate. Your interest rate will be fixed and will be between 5.95% p.a. and 17.95% p.a.
  • No fees. When you borrow between $5,000 and $50,000, there are no establishment, monthly or early repayment fees.
  • Convenient repayments. Make your repayments weekly or fortnightly via direct debit so there's no need to remember to transfer it yourself.
  • Personal service. When you apply for a loan with NOW Finance you will deal with the same personal loan advisor whenever you need to contact the company.

No Fee Unsecured personal loan info

  • Loan amount: Between $5,000 and $50,000
  • Minimum interest rate: 5.95% p.a.
  • Maximum interest rate: 17.95% p.a.
  • One-off establishment fee: $0
  • Monthly fee: $0
  • Early termination fee: $0

How to apply for this Unsecured Personal Loan

If you're ready to apply, just click "Go to Site" to get your application started. You will need to meet the following eligibility criteria:

  • You're an Australian citizen or permanent Australian resident
  • You're currently employed
  • The majority of your income does not come from Centrelink payments
  • You have not been bankrupt or had a credit default with a previous lender

You will need your personal, employment and financial details on hand to complete the application, which shouldn't take longer than 10 minutes to complete.

Personal Loan Offers

Important Information*
Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 5.35% p.a. and based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3 or 5 years terms.

Logo for ANZ Fixed Rate Personal Loan
ANZ Fixed Rate Personal Loan

You'll receive a fixed rate of 8.99% p.a.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

Logo for NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed

You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 years to 7 years loan terms available. This loan comes with no fees for extra repayments and no early exit fees.

Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 5.95% p.a. and 19.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.

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    Default Gravatar
    August 15, 2018

    Is the $395 fee monthly? Does the same fee apply for any quantity of money you apply for? I’m sorry I’m new and I don’t understand very well. .. I am an international student and I need information on a loan as I am struggling to pay uni fees.

      Avatarfinder Customer Care
      August 16, 2018

      Hi Flor,

      Thank you for leaving a question.

      The $395 is a one time application fee. The monthly fee you are referring to is $13.
      Hope this helps!


    Default Gravatar
    February 19, 2018

    I am a non resident with a permanent income looking for a personal loan. Please could I have some help looking for one. Thanks

      Default Gravatar
      March 10, 2018

      Thanks for reaching out to us, Angela!

      You may refer to our list of lenders offering loans to temporary residents. Please take time to go through the individual brand’s eligibility criteria and visa requirements and check if you meet them.

      Please click the name of the lender to be redirected to our review page and learn more about the lender’s loan offer, rates, and requirements as well as the pros and cons of using their loan service. When you are ready, you may then click on the “Go to site” button and you will be redirected to the lender’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      On a friendly note, make sure you confirm that you meet the eligibility criteria before you submit your application, as rejected credit card applications can have a negative impact on your credit score.


    Default Gravatar
    December 14, 2017

    I’m looking for financial money tips visa job and ticket from Nigeria to the U.S.A.

      Avatarfinder Customer Care
      December 19, 2017

      Hi Alowolodu,

      Thanks for reaching out to us.

      I’m afraid, NOW FINANCE only provides loans to an Australian citizen or permanent Australian resident. You may not qualify for a loan if you are residing outside of the country thus I would recommend you to seek financial assistance from your local bank, credit union, or a government agency. You can also get help from a broker who can take your personal circumstance into account and offer you a range of borrowing options.

      Best regards,

    Default Gravatar
    July 27, 2017

    How can I get a loan I’m temporary resident here but I have stable work I’m permanent part time job can I loan?

      Avatarfinder Customer Care
      July 28, 2017

      Hi Elma,

      Thank you for your inquiry.

      There are banks and lenders who may consider you for a loan even if you aren’t a permanent resident. So, please feel to check our list of personal loans for temporary residents.

      I hope this information has helped.


    Default Gravatar
    July 22, 2017

    I have a personal loan already and has 3.5 years to go from 7. I need around $3-4 K and would like to know whether to get another personal loan at a lower rate or combine this with that $10,500 left on the other one.

      Avatarfinder Customer Care
      July 28, 2017

      Hi Sunshine,

      Thank you for your inquiry.

      You may want to consider a debt consolidation. A debt consolidation personal loan is an unsecured line of credit that lets you bring all your debts into one. The aim of this type of debt consolidation option is to reduce the amount you pay in interest and fees, so ensure that the amount you’re being charged on the new loan is lower than what you’re currently paying.

      I hope this information has helped.


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