NOW FINANCE Unsecured Personal Loan

Last updated:  

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.

From 8.95% (fixed)

Interest Rate (p.a.)


Comparison Rate (p.a.)


Min Loan Amount


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
Go to site

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 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 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.

Personal Loan Offers

Important Information*
Logo for Citi Personal Loan Plus
Citi Personal Loan Plus

You'll receive a variable rate between 9.99% p.a. and 17.99% p.a. (9.99% p.a. to 17.99% p.a. comparison rate) based on your risk profile
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years. Note: No establishment fee and no monthly account service fees apply if you apply and are approved before 31 March 2020.

Logo for RateSetter Unsecured Personal Loan - 3yr Variable
RateSetter Unsecured Personal Loan - 3yr Variable

You'll receive a variable rate between p.a. and 16.40 p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 6 months. Interest and comparison rates calculated for a loan term of 3 years.

Logo for ING Personal Loan
ING Personal Loan

You'll receive a fixed rate of 8.99% p.a.
Benefit from no ongoing fees, no early repayment fees and flexible loan terms on amounts up to $30,000.

Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 28.69% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3 or 5 years terms.

Ask an expert

To ask a question simply log in via your email or Facebook or create an account.

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.


  1. 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.

    • AvatarStaff
      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!


  2. 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!

      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
    December 14, 2017

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

    • AvatarStaff
      December 19, 2017

      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
    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?

    • AvatarStaff
      July 28, 2017

      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
    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.

    • AvatarStaff
      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 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
    July 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
      July 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
    July 9, 2017


    • Default Gravatar
      July 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
    March 21, 2017

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

    • AvatarStaff
      March 21, 2017

      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
    February 13, 2017

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

    • AvatarStaff
      February 13, 2017

      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
    November 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
      December 30, 2016

      I need 1500 lon how can I get

    • AvatarStaff
      December 30, 2016

      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.


    • AvatarStaff
      November 15, 2016

      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.


Ask a question
Go to site