Rating based on 15 reviews

Now Finance

  • Debt consolidation loans up to $40,000
  • Low-interest starting from 11.41%
  • Repayment up to 7 years

In-page navigation

Now Finance homepage
Author Now Finance. Screenshot of Now Finance website.
[Accessed May 24, 2023]

About Now Finance

Now Finance offers many different personal loans and one which is very useful is the debt consolidation personal loan.

They go out of their way to give their customers the best service possible. Their motto is to go the extra mile and deliver the personal touch together with the correct financial package.

Our offices

Now Finance is a company who pride themselves on their personal service throughout Australia. Their main office is in Melbourne and they have smaller offices in Brisbane, Sydney and Perth servicing customers all over the territory.

Highly trained consultants

They keep their whole loan process simple and hassle-free to make things easier for you the customer. They have highly trained personal loan consultants and customers will deal with the same consultant the whole time they are a client of Now Finance.

With you all the way

The emphasis is on reducing the stress of their customers and delivering top class personal service with a debt consolidation loan, or other loan that suits the client. From repayment periods and amounts to debt free days, Now Finance is with you all the way.

Now Finance Services

Now Finance is a company who cares for their customers. They offer loans for nearly every single thing you can think of – vehicle finance (including jet skis!), medical expenses and cosmetic surgery, travel loans, home improvement loans, wedding and educational loans.

Loan specialists

Because their only business is personal loans, they are the experts in the field of loans, and are able to assist you with getting your life back on track with a debt consolidation loan – this is when 3 or 4 different loans are put together in one account and only one amount is paid every month.

A preferential interest rate is given to the customer as well as a manageable payment amount each month for a suitable loan period.

How the loan works

Now Finance have the debt consolidation application process down to a fine art.

If the online loan application is received before 2 pm, the loan money could reflect in your account the same day. You have to follow 4 easy steps for an unsecured personal loan. You can either apply online in 10 minutes or give them a call.

Now Finance – Consolidation loan

  • Loan Type Debt consolidation loans
  • Interest Rate from 11.41%
  • Loan Amount up to $40,000
  • Repayment 18 months to 7 years

Benefits of Now Finance

  • Repayment periods up to 7 years
  • Reliable debt consolidation loans up to $40,000
  • Low-interest rates starting from 7%

You can become debt free, contact us today

Once the loan has been approved and paid into your account, you will feel as though a huge burden has been lifted off your shoulders.

How to apply

You can log onto the Now Finance website and find out what interest rate you will be charged for your debt consolidation loan before you apply.

This will give you a good idea of where you stand and how your repayments will be structured. And you will not be messing with your personal credit rating. This process does not change your score at all.

Eligibility in more detail

  • Australian citizen
  • 18 years old or older
  • Must have employment – if casual labour, you must have been there for 6 months
  • You should have no returned payments
  • You should not be bankrupt or have a judgement against you
  • The personal loan amount must be greater than $4,000,00 and less than $40 000,00
  • It must be paid off between 1½ years and years
  • Single borrower only
  • Must have an Australian drivers licence or passport
  • Can use Centrelink as second income together with PAYG income
  • Must have current Medicard

When your creditors are closing in and you are at risk of losing your assets or having a judgment passed against your name then it might be time to consider a debt consolidation loan.

Our debt consolidation loans allow you to consolidate your existing debt into one easy to manage an account with a loan of up to $40 000, 00. This loan won’t negatively affect your credit score and will help you save money.

How the process works

Simply apply online and one of our consultants will be in touch to guide you through the process. Our consultants will asses your current debt and see if you qualify for a debt consolidation loan. If you qualify we will negotiate a settlement amount on your current debt then settle the debt on your behalf.

You will then only need to repay the loan from us at a much lower monthly instalment rate, this will save you money on interest and other fees. The repayments can be customised to suit your individual needs and aligned with your pay date so that you never have to worry about missing a payment.

Your individual personalised rate

When you apply you will receive your own customized personalized interest rate based on the amount that you borrow your credit score and your current debt. The application process only takes 10 minutes and you will receive an outcome very quickly.

You will be given your individual interest rate before you apply so you can decide if you would like to proceed or not. To keep the process simple you can easily upload your supporting documents directly to the website so that they can be processed very quickly. The money can either be deposited into your account so that you can settle the debt yourself, or we can pay the creditors directly on your behalf.   

Applying for a debt consolidation loan won’t have a negative impact on your credit score.

man holding thumbs up

Now Finance is a trusted & reliable provider of debt consolidation loans

In our review, Now Finance adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ Now Finance is a registered credit provider in Australia: ACL 425142

Customer Reviews & Testimonials

September 2018

I couldn’t believe how easy it was to apply for a loan and that the entire process only took 10 minutes. The money was paid directly into my account within 2 hours and I was able to get on with m...

Sara M
— Perth —

March 2019

I love the fact that your interest rates are customized to suit my needs and take my current financial restraints into account. I have a good credit score so I was very happy to qualify for a muc...

Brett A
— Adelaide —

Now Finance Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 20:00
  • Tuesday 09:00 – 20:00
  • Wednesday 09:00 – 20:00
  • Thursday 09:00 – 20:00
  • Friday 09:00 – 20:00
  • Saturday – Closed
  • Sunday – Closed