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  1. Now Finance Help Center
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Online Application

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  • Does it cost to get my credit score or credit report?
  • Does everyone have a credit history?
  • Why isn't the website showing properly in my browser?
  • Why can't you verify me?
  • Why is my interest rate higher than what your competitors are offering?
  • Can you give me access to my official credit report?
  • Why do you need my personal details and how safe are they?
  • I’ve received a suspicious email from NOW FINANCE, what should I do?
  • Do I get instant approval for a Personal Loan?
  • How long before I get the money?
  • Can I apply if I am in a Part 9 Debt Agreement?
  • How do I receive the money once my personal loan has been approved?
  • Can I take out a personal loan for business purposes
  • Are there any establishment fees
  • Do you do loans for people who have been bankrupt
  • Do you do credit checks
  • Can I have a guarantor on the personal loan
  • What happens after I have applied
  • Do you offer loans for people on Centrelink benefits?
  • Do you do loans for people on a disability pension
  • How Long will the application take?
  • Do you need to provide security for a personal loan?
  • What's a comparison rate?
  • Do I have to pay the application fee before I apply for the loan?
  • Is debt consolidation the same as being bankrupt?
  • I did not get an offer from GET MY RATE. Why?
  • I want to apply for a NOW FINANCE personal loan that is less than $5,000. Can NOW FINANCE assist?
  • What are your interest rates?
  • I do not have a Drivers License. Can I use Proof of Age card instead for I.D?
  • How do I know if I am eligible for a loan?

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Things you should know
Applications for finance are subject to NOW Finance’s lending and approval criteria. Terms and conditions may apply. No establishment, account keeping or early repayment fees will apply. Charges such as default or enforcement costs may apply if you do not comply with the terms of your loan. Settlement times may vary depending on individual circumstances. Loan repayment terms range between 18 months to 7 years. For unsecured loans you can borrow between $5,000 to $50,000 with interest rates ranging from 5.95% p.a. (5.95% p.a. comparison rate*) to 17.95% p.a. (17.95% p.a. comparison rate*). For secured loans you can borrow between $15,000 to $100,000 with interest rates ranging from 4.45%p.a. (4.45% comparison rate*) to 15.45% p.a. (15.45% p.a. comparison rate*).

*About Comparison Rates
The Comparison Rate is designed to help you understand the overall cost of the personal loan. It combines the amount of the loan, loan term, repayment frequency, interest rate, fees and charges into a single rate to show the total true cost of the loan. The comparison rates for the NOW Finance loans are based on a loan of $30,000 over 5 years. WARNING: The comparison rates given are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Due to the fact NOW Finance does not charge any establishment, account keeping or early repayment fees, the true cost of the loan or Comparison Rate will always equal the interest rate quoted.

^Confirmed Rate
our confirmed guaranteed personalised rate may change if you provide NOW Finance with incorrect personal information or security details. In some circumstances, NOW Finance may require further information from you in order to provide you with your guaranteed personalised rate. NOW Finance is a trademark of Now Finance Group Pty Ltd ACN 158 703 612 Australian Credit Licence number 425142, as agent for NF Finco 2 Pty Ltd ACN 164 213 030.

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