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NOW FINANCE
4.6 from 397 reviews

Pleased

I was pleasantly surprised by rate. I found the customer service very efficient, and the agent very helpful. I was pleased with quick the process was. I just wish they could accept BPAY or EFT, so that I could get my budgeting company could just pay directly - rather than having to transfer the money to me for the direct debit

Transparency
Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
Loan Start DateMay 2019
1 comment
Hi Heath, thank you for your feedback, we are delighted to hear about your experience with us. Thank you for choosing NOW Finance

Easy Peasy!

This has to have been one of, if not the best experience I have had when financing something. The customer service was 10/10, helped by the fact that the call takers were Aussie based - important when one has industrial deafness and struggles to understand some accents, even Australian ones.
The rate was quite good - better than was offered by the big four banks anyway, and all costs were explained along the way. I would recommend Now Finance to anyone in the market.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
Loan Start DateMay 2019
1 comment
Hi David, we are delighted to hear about your experience with us. Thank you for your feedback and recommendation and for choosing NOW Finance

Great friendly service.

The service was great and very helpful and friendly and done everything and explained everything perfectly. I got an answer very quickly and the application process was easy. Will recommend to family and friends.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
Loan Start DateMay 2019
1 comment
Hi Darren, we are delighted to hear about your experience with us and that you found our process to be quick and easy. Thank you for your feedback and recommendation and for choosing NOW Finance

Very satisfied

Customer service was great, couldn't fault it.
There were no unexpected costs, I knew all fees and charges before I wen ahead with the loan.
The rate is good, when you are a new customer you can't expect anything too much but I did get a good rate

Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan Start DateApril 2019
1 comment
Thank you Sharon for your feedback and for choosing NOW Finance

Disappointed

Was referred to them through a friend for quick approval but ended up being a time wasting effort.Their pre approval means nothing, have an absolutely great credit rating but was declined within a few hours. I am not even sure if an assessor looked into my file.They told me they would give me the reason why it was declined but it was a standadised blurb they send to everyone of which it didn't affect me. Ended up going to my bank and got the loan. I would recomend to contact your bank first before going to these time wasters.

1 comment
Hi JMD, NOW FINANCE take you feedback seriously and thank you for taking the time to provide this to us. Whilst we would love to approve all applications, we must adhere to the responsible lending guidelines of the National Consumer Credit Protection Act (NCCP). We assess all applications based on information on the application and other factors. Our decision is not based solely on the credit file or application content and we measure all factors of an application against our Policy to ensure that the product we provide to the customer meets with their requirements and objectives and is not-unsuitable. We operate as a responsible lender in a heavily regulated industry and ensure the customer can meet the obligations of the contract without any undue hardship. This is our primary focus. I’d like to speak with you in relation to your experience with NOW FINANCE and if you’d like to do so, please give me a call on my direct line 03 8535 1132. Kind regards Denice Martin (Head of Compliance)

Got the financing I was after

Service was great, updates at all times of the process & step by step on the documents required.
Took a little while to get through the whole process, a little longer than i was anticipating.

Would've liked a much lower interest rate, as this would have been a lot more comparable to other institutions and obviously better on my bottom line.

Customer Service
Loan TypeFixed Rate
1 comment
Hi Mik. We are delighted to hear about your experience with us. Apologies about the process time, as sometimes we do need further time to fully assess your application and your interest rate is based on your overall credit score. Thank you for your feedback and for choosing NOW Finance

Extremely excruciating

NOW wanted to know everything about me to an extremely pedantic level but when NOW was asked something directly would not give a direct answer. Interest rate was also poor 12.5% with a very good credit rating. I will pay this out as soon as i can and doubt i will go to NOW again unless i have no other option.

Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
1 comment
Hi Gavin, Thank you for providing us with your feedback. We operate in a heavily regulated industry we must ensure that we abide by the responsible lending guidelines of the National Consumer Credit Protection Act (NCCP) 2009. As a responsible lender we make adequate enquiries and take reasonable steps to verify the application information. Our primary obligation is to ensure the customer is able to meet the obligations of the contract without any undue hardship and by making these enquiries we are able to satisfy this obligation. I’d like to speak with you in relation to the concerns you raised. Could you please give me a call at your earliest convenience on 03 8535 1132. Kind regards Denice Martin Head of Compliance

Fast & Easy approval

Customer service was great and efficient.
A company that is a lot easier to deal with than other lenders.
Fast and easy loan approval.
You are kept up to date with everything that is required. Would definitely use again if needed.

Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan Start DateMarch 2019
1 comment
Thank you Marc25 for your feedback and for choosing NOW Finance

Fast easy approval and processing time

Customer service was great. The approval time was very fast. Only negative was the interest rate. Is 11.95% and i have an excellent credit rating. No hits on my credit file though

Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
1 comment
Hi Marie. We are delighted to hear about your experience with us. Our interest rates are based on your overall credit score. Thank you for your feedback and for choosing NOW Finance

Armela Karaahmetovic

Very consistent and polite. I was looked after every time I needed to refinance. They were very patient with getting all the documents prepared and explaining further when I didn't understand some things.

Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
Loan Start DateJanuary 2018
1 comment
Hi Armela, we are delighted to hear about your experience with us and we'd like to thank you again for your return business. Thank you for choosing NOW Finance

As always great service and easy process

Customer experience was great
Was surprised at the interest rate as I had a loan already at below 10% but this increased to over 12%. This was explained as my current credit rating yet I had not missed a payment previously and my credit rating with the agencies was perfect

Application Process
Timeliness
Loan TypeFixed Rate
1 comment
HI Shayne, interest rates are based on your overall credit score, it is not based on just one thing, there are different factors. Thank you for your feedback and for choosing NOW Finance

Very helpful

A bit to much paperwork and forms needed to proceed but that is the only thing other than that very good I would recommend them to friends and family thanks

Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
Loan Start DateMarch 2019
1 comment
Hi Matthew, we are delighted to hear about your experience with us and your recommendation. We try to make our processes as smooth as possible, however sometimes additional information maybe required for your application to be fully assessed. Thank you for your feedback and for choosing NOW Finance

Disappointed

I was really disappointed with Now Finance. I got my credit rating and interest and applied for my loan which would have gotten rid of two credit cards and a small personal loan and also extra for improvements to our house. My payment would have been less than what I am paying now for the credit cards and loan. Anyway wasn't the case, which is fine but they declined my application within an hour of my applying. I only knew it was declined when I went in to check. They never rang me or emailed me. I just thought someone may have phoned to discuss the matter or help me sort out a solution and the chat lady...was quick to get offline.

Customer Service
1 comment
Hi Michelle, Thank you for taking the time to provide us with your feedback. I’d like to speak with you further about your experience with NOW FINANCE and if you’d like to do so, please call me on my direct line 03 8535 1132. Kind regards Denice Martin Head of Compliance

Great service

Great customer service, very fast and professional. Always available to answer questions and respond to concerns. Very responsive and understanding. Not much of an impost on the customer to provide documentation.

Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
Loan Start DateMarch 2019
1 comment
Hi Mel, we are delighted to hear about your experience with us. Thank you for your feedback and for choosing NOW Finance

Fantastic company!

Amazing company and service. Mary was especially fantastic at communicating throughout the whole process and keeping me informed along the way. They came through for me when I needed it the most. Can’t thank the whole team enough.

Customer Service
Application Process
Timeliness
1 comment
Hi Madeleine, we are delighted to hear about your experience with us. We do aim to make our processes easy and quick as well as keeping you informed of the process throughout. Thank you for your feedback and for choosing NOW Finance

Awesome

Great service and excellent communication. Amy in particular was outstanding with the way she worked through the process and keeping me informed along the way. They came through for me when needed!

Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
1 comment
Hi Paul, we are delighted to hear about your experience with us. Thank you for your feedback and for choosing NOW Finance

Great service with prompt payment..

Now Finance were always pleasant throughout the whole process. I would prefer to know every detail of information that is required for processing upfront, otherwise excellent service and prompt payment.

Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
1 comment
HI Adam, we are delighted to hear you found our service to be excellent. We try to make our processes as smooth as possible, however sometimes additional information maybe required for your application to be fully assessed. Thank you for your feedback and for choosing NOW Finance

Great do deal with. Lower interest rates than the banks.

Great to deal with, based in Australia and freindly staff.
Rates were better than the banks, finance was approved and arranged quickly (was In my account that night)
I am into my 2nd time dealing with them now. They set me up with a larger loan to buy a car.
Only downfall is no online portal to monitor balances and manage payments.
Need to Call or Email for a statement ect, they are quite quick with that.

Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan Start DateFebruary 2019
1 comment
Thank you Brodie for your feedback and for choosing NOW Finance again. We are in the process of developing an online portal for our customers to check their balances, statements etc..

Great service

Great service and excellent communication. Amy in particular was outstanding with the way she worked through the process and keeping me informed along the way. They came through for me when needed!

Customer Service
Application Process
Timeliness
1 comment
Hi James, we are delighted to hear you experience with us was excellent. Thank you for your feedback and for choosing NOW Finance

Horrible company

Horrible customer service, no communication, over a week to get any form of reply. worth paying more interest than dealing with this company. avoid at all cost, they pretend to know what they're doing.

customer service officer lost my paperwork had to send through multiple times just do yourself a favour if you have any self-respect and believe you deserve more as a customer go ANYWHERE but here.

Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
2 comments
Hi, thank you for taking the time to provide us with your valuable feedback. I’d like to speak with you further about your experience with NOW FINANCE. Please call me on my direct line 03 8535 1132 so I may explain our process and further understand the concerns you have raised. Kind regards Denice Martin Head of ComplianceNot worth my time, have resolved the issues by not going with you! the smartest choice I've ever made.

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Questions & Answers

Hi I am Fraidoon I need $40000 but I can’t apply because I applied 15 times can you help me?
1 answer
Hi Fraidoon, thank you for your inquiry. Please provide us with the best contact number and time so we can call and assist you over the phone. Alternatively you can call our office on 1300 275 669 Monday - Friday from 8am - 8pm EST. Thank you

Can you have an excellent credit score but still be declined?
1 answer
Hi Rya80, thank you for your inquiry. Yes it can

I'm in desperate need to consolidate my loans - everything comes out at the wrong times and it's a struggle. I don't have a great repayment history and currently have a loan with a lender called MoneyMe - are they classified as a payday lender? Asking before I apply so I don't waste anyones' time. Thanks
2 answers
Hi, we have tried to contact you over a period of time. NOW FINANCE assess all applications under the National Consumer Credit Protection Act, responsible lending guidelines and our own Lending Policy. We must ensure that our product meets the requirements and objectives of the customer and that the customer would be able to meet the obligations of the contract without causing hardship. If you make contact we may be able to work through a possible solution.Don't bother with this company because of you have exsiting debts they factor this into the application process. I recent applied for a debt consolidation loan with Now Finance and it was rejected based on my current liabilities, that would have been gone if they approved my loan. I have a full time job and excellent repayment history and good credit rating but was still declined based on current financial obligations. I'd try some other company these guys will just screw with your credit score and won't approve if you have current debts - don't fall for their hype.

Details

NOW FINANCE
Contact Number 1300 275 669
Email Address customerservice@nowfinance.com.au
24-Hour Phone Contact No
Online Live Chat Yes
Interest Ratefrom 8.95% p.a.
Comparison Rate from 1.56% p.a.
Loan Amount $5,000.00 to $40,000.00
SecurityUnsecured
Loan Term1.5 to 7 years

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