NOW FINANCE Unsecured Personal Loan

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

This unsecured personal loan can help you cover a range of personal purchases, from a used car, furniture or even travel expenses. You can apply for a loan from $5,000 and have up to 7 years to repay the loan.

3 things you should know about this loan

  • Tailored interest rate. You will receive a tailored interest rate between 8.95% p.a. and 16.95% p.a. for this loan. You can get your rate before you apply.
  • Personal loan manager. 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.
  • High fees. This loan comes with an establishment fee of $495 and a monthly fee of $13.
Product NameNOW FINANCE Personal Loans
Interest Rate (p.a.)From 8.95% (fixed)
Comparison Rate (p.a.)10.56%
Interest Rate TypeFixed
Min Loan Amount$5,000
Max. Loan Amount$40,000
Loan SecurityUnsecured


  • Fixed, tailored rate
  • Receive your rate before you apply
  • Dedicated personal loan manager


  • Application fee up to $495
  • $13 monthly fee

Main points to consider with this personal loan

You can apply for a loan between $5,000 and $40,000. You'll pay a tailored fixed interest rate of between 8.95% p.a. and 16.95% p.a. You can find out your rate before submitting your fill application.

Keep in mind the loan comes with an application fee of $495 and a monthly fee of $13.

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 in order to be approved.
  • Various loan amounts available. You can apply for a loan between $5,000 and $40,000.
  • Up to seven years to repay. NOW FINANCE gives you a choice of your loan term, so you'll have between 1.50 or 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 8.95% p.a. and 16.95% p.a.
  • 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 manager whenever you need to contact the company.

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.

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24 Responses

  1. Default Gravatar
    FlorAugust 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
      JohnAugust 16, 2018Staff

      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!


  2. Default Gravatar
    AngelaFebruary 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
      LiezlMarch 10, 2018

      Thanks for reaching out to us, Angela!

      On this page you can find the list of lenders offering loans to temporary residents. Please take time to go through the individual brand’s eligibility criteria and visa requirement and check if you meet them.

      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.


  3. Default Gravatar
    AlowoloduDecember 14, 2017

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

    • Avatarfinder Customer Care
      RenchDecember 19, 2017Staff

      Hi Alowolodu,

      Thanks for reaching out to us. Please note that we are not affiliated with NOW FINANCE or any company we feature on our site and so we can only offer you general advice.

      If you are referring to NOW FINANCE Unsecured Personal Loan, please click on the green ‘Go to site’ button on this page to direct you to their official site and submit an online application.

      You can also have a look on this page for unsecured loans that you can compare. Please note that these loans are only available in Australia.

      Best regards,

  4. Default Gravatar
    ElmaJuly 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
      HaroldJuly 28, 2017Staff

      Hi Elma,

      Thank you for your inquiry.

      There are banks and lender who may consider you for a loan even if you aren’t a permanent resident. You may need to check your options here.

      I hope this information has helped.


  5. Default Gravatar
    SunshineJuly 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
      HaroldJuly 28, 2017Staff

      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 with 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.


  6. Default Gravatar
    RJuly 17, 2017

    We are looking at financing a car with a total value of $17000 over 7 yrs. We have a joint employment income of $1460/fortnight, topped up by $560/fortnight of centrelink payments. We are both in permanent casual employment positions and have been for over 6 months. We also have very good credit ratings. What are our chances? Thanks in advance.

    • Default Gravatar
      JonathanJuly 28, 2017

      Hello R&G,

      Thank you for your inquiry today.

      You may review our guide and list of lenders who may be able to cater your financing needs. Please take note that each lender has their own eligibility credit criteria, so it is recommended to review their T&Cs on the loan agreement and their requirements.

      Hope this helps.


  7. Default Gravatar
    teresaJuly 9, 2017


    • Default Gravatar
      ArnoldJuly 9, 2017

      Hi Teresa,

      Thanks for your inquiry.

      There are a few options you can try to take back control of your debt. Please navigate to this page to view a guide on how to use them and ultimately choose what suits you best.

      Hope this information helped.


  8. Default Gravatar
    ZaeemMarch 21, 2017

    If I made early payment to the loan, then how much penalty would be applied

    • Avatarfinder Customer Care
      MayMarch 21, 2017Staff

      Hi Zaeem,

      Thanks for your question.

      NOW FINANCE charges Early Termination Fee of $175.00 if your loan is repaid in first 6 months (or) $120.00 if your loan is repaid between 6 and 12 months. No Early Termination Fee applicable after 12 months.


  9. Default Gravatar
    MounirFebruary 13, 2017

    If I pay off my loan earlier does it have any early termination fees?

    • Avatarfinder Customer Care
      LouFebruary 13, 2017Staff

      Hi Mounir,

      Thanks for your question.

      NOW FINANCE charges the following termination fees:
      $175.00 if your loan is repaid in the first 6 months
      $120.00 if your loan is repaid between 6 and 12 months.
      No Early Termination Fee applicable after 12 months.

      If you want to compare other personal loans that allow for extra repayment, you can visit this page.


  10. Default Gravatar
    T&TNovember 12, 2016

    Are you able to finance $25,000 to someone with good credit and who is employed full time, but in a new job for only 8 weeks?

    • Default Gravatar
      KandiceDecember 30, 2016

      I need 1500 lon how can I get

    • Avatarfinder Customer Care
      MayDecember 30, 2016Staff

      Hi Kandice,

      Thanks for getting in touch.

      On this page, you will be able to compare your $1,500 personal loan options. Please click on the “Go to site” button if you wish to apply for the loan you think you are eligible for.

      Hope this helps.


    • Avatarfinder Customer Care
      LouNovember 15, 2016Staff

      Hi T & T,

      Thanks for your question.

      Please note that is a financial comparison and information website that helps users make better decisions. We do not represent Now Finance.

      The eligibility criteria for this loan did not specifically mention for how long you should be in your current job. You could directly get in touch with Now Finance to enquire about your chance of approval, given your situation.


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