Personal loan rates from 7.95% per year, comparison rates from 9.56% per year.

Our interest rates vary between 7.95% and 16.95% depending on personal circumstances and individual credit scores. Our comparison rates vary between 9.56% and 18.53%.



^ The repayment amount is based on the position of the sliders below.

interest rate p.a.

comparison rate p.a.

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What is your desired loan term?


Because our loans are simple, tailored, and hassle-free

Simple and easy to understand personal loans

You get personalised service from an Australian-based loan advisor

No-fuss application and settlement process

Your own Australian based loan advisor

Your personal loan advisor will help you through the entire process from application to settlement and beyond.

If you have questions and need answers, your advisor is on hand to guide you throughout your loan term.

Trust our numbers

We’re proud to have gained the trust of Australians since launching in 2013


$1.7 Billion

The total amount of applications we received



Strong growth since we launched



Happy customers and growing each day

Ready to start?

Our loan application is simple and secure.

Call 1300 275 669
Get Started

Get your loan in a few simple steps

Step 1.

Eligibility Check

A few questions to make sure you qualify for the loan.

Step 2.

Personal Details

To give you a personalised interest rate, we ask for more specific personal information.

Step 3.

Loan Details

Confirm how much you want to borrow based on your personalised interest rate.

(No impact on your credit file)

Step 4.

Financial Details

Tell us about your financial position, so we can ensure your personal loan fits your budget.

(Impacts your credit file)

Give yourself financial breathing space and take control of your existing debt.

kNOWledge Base

Empower yourself with easy to follow information on personal loans

Start Learning

Read articles, watch videos, discover everything you need to know about finance

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Kerrie was concerned about how to pay off her credit cards.

NOW FINANCE helped her to consolidate her debts and to organise her finances.

Click here for more videos >>

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Get to know Brendan

Brendan was tired to deal with the Big Banks.

Then he found NOW FINANCE and it was a breath of fresh air into his financial life.

Click here for more videos >>

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Get to know Leanne

Leanne always wanted to go to Canada. NOW FINANCE helped her fulfill her dream.

Watch now Leanne’s history.

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Approved customers only. Terms, conditions, fees and charges apply. All applications are subject to NOW FINANCE’s lending and approval criteria. Settlement times may vary depending on circumstances. Loan repayment terms range from 18 months to 7 years. Interest rates range from 7.95%pa (9.56%pa comparison rate) to 16.95%pa (18.53%pa comparison rate)

*Comparison rates are based on a loan of $30,000 over 5 years.

WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

EXAMPLE: An unsecured personal loan of $30,000 borrowed for 5 years with the interest rate of 8.95%pa (10.56%pa comparison rate), would estimate to a minimum total amount payable of $38,610 via the weekly payment option (including a $495 establishment fee and $13 per month administration fee). Rates are subject to change.

NOW FINANCE is a trademark of Wingate Consumer Finance Pty Ltd | ACN 158 703 612 Australian Credit Licence number 425142