NOW FINANCE Unsecured Personal Loan

Rates and fees last updated on

Personal loans from $4,000 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 $4,000 and have up to 7 years to repay the loan.

Main points to consider with the Unsecured Personal Loan from NOW FINANCE

Product NameNOW FINANCE Personal Loans
Interest Rate (p.a.)From 8.95% (fixed)
Comparison Rate (p.a.)10.42%
Interest Rate TypeFixed
Min Loan Amount$4,000
Max. Loan Amount$40,000
Loan SecurityUnsecured


  • Get a personalised rate without it affecting your credit history
  • Have a dedicated loan manager for the duration of your loan


  • A high application fee up to $395 applies

You can apply for a loan between $4,000 and $40,000. You'll pay a competitive fixed interest rate of between 8.95% p.a. and 16.95% p.a. The loan comes with an application fee of $395 based on a $10,000 loan.

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 $4,000 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 the Unsecured Personal Loan from NOW FINANCE

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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This page was last modified on 11 April 2017 at 11:19am.

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10 Responses to NOW FINANCE Unsecured Personal Loan

  1. Default Gravatar
    Zaeem | March 21, 2017

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

    • Staff
      May | 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.


  2. Default Gravatar
    Mounir | February 13, 2017

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

    • Staff
      Anndy | 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.


  3. Default Gravatar
    T&T | 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
      Kandice | December 30, 2016

      I need 1500 lon how can I get

    • Staff
      May | 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.


    • Staff
      Anndy | 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.


  4. Default Gravatar
    Candyflosskisses69 | October 17, 2016

    I need a personal loan or a business loan up to $40,000,unsecured to buy a courier run business .To become self employed on 2-5yrs guaranteed income each week start info at$1500-uo your $2000″weekly guaranteed on contracts. I’m on centrelink pays. I currently get $1400/ a oftenly.

    • Staff
      Elizabeth | October 17, 2016


      You can only be eligible for a NOW FINANCE loan if the majority of your income does not come from Centrelink. This loan is also intended to be used for personal purposes, not business purposes. You can compare loans intended for starting up/purchasing a business on this page.

      Hope this helps,


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