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Turn your renovation dreams to reality

Borrow up to $100,000* to renovate your home or investment property. If you’re looking to re-do your kitchen, bathroom, swimming pool or even lay new floors or paint, we can help.

Apply in 5 minutes

or

Check eligibility

Decisions in

60 minutes^

Borrow from

$5k – $100k*

Why choose us?

We are here to make your renovation dream a reality, quickly. The process is fast, simple and we will respond within 60 minutes.

Borrow what you need

Loans between $5,000 and $100,000* for any home or investment property renovations

Competitive rates

We offer a personalised rate based on your individual credit score

No surprises

No extra fees or charges if you repay your loan on time

Enjoy flexibility

For loans up to $40,000 you have between 1 and 7 years to pay it off. For loans from $40,001 to $100,000 you have from 1 to 10 years to pay it off.

On your own terms

Repay faster with no penalties for early repayment

We make it easy

Apply online, it’s quick and easy

Calculate your repayments

$
Please enter an amount between 5,000 and 100,000
Enter an amount between $5k & 100k
You can choose from 3, 5, 7 or 10 years
Choose between fortnightly or monthly
Not sure? An estimate is fine.
Your repayment amount

$0.00

Repayable over 1 to 7 years for loans between $5,000 and $40,000 and 1 to 10 for loans between $40,001 and $100,000, with no penalties for early repayment. Please see important information about this calculator here.

Important information about this calculator

Comparison rate for RenoNow loans

The comparison rate is based on a $30,000 unsecured personal loan for a three year term.

Interest rate used to calculate repayments

The interest rate used by the calculator to calculate repayments is based on your own estimate of your credit rating, which starts at the lowest rate of 8.99% p.a. (comparison rate: 8.99% p.a.) for an ‘excellent’ rating; 10.75% p.a. (comparison rate: 10.75% p.a.) for a ‘very good’ rating; 13.75% p.a. (comparison rate: 13.75% p.a.) for a ‘good’ rating and 17.99% p.a. (comparison rate: 17.99% p.a.) for an ‘average’ rating.

The actual interest rate applicable to your loan will depend on RenoNow’s lending assessment of your application, which starts from 8.99% p.a. (comparison rate: 8.99% p.a.) and is subject to change.

This means the interest rate you're offered may differ from the interest rate shown in the calculator and will depend on your personal circumstances. Because of this the final interest rate can only be determined once you submit a completed application.

Representative example: Based on an unsecured personal loan of $30,000 over 3 years a borrower with an excellent credit rating can expect to pay a total of $34,339. This represents a comparison rate of 8.99% p.a. and includes all interest included in your loan repayments over the life of the loan. 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.

The repayment amount

The repayment amount shown on the calculator includes the interest payable but does not include any fees and charges that may be payable.

The repayment amount generated when using this calculator is an estimate, based on information you have provided. It is provided for illustrative purposes only and actual repayment amounts may vary. To find out actual repayment amounts, contact us.

The calculated repayment is not a quote, loan approval, agreement or advice

The repayment amount generated by using the calculator does not constitute a quote, loan approval, agreement or advice by RenoNow. It does not take into account your personal or financial circumstances.

To apply for a RenoNow loan you must complete an application. All applications are subject to RenoNow’s credit assessment criteria. Terms, conditions, fees and charges apply.

Storage of information provided

RenoNow will not store the information provided in this calculator.

Inspiration and information

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How to set your bathroom renovation budget

How it works

It’s easy to apply for a RenoNow loan. Check your eligibility instantly, then complete a quick 5 minute application.

5 second eligibility check

Check if you’re eligible by answering 5 questions

5 minute application

If you’re eligible, our online application takes 5 minutes to complete

Decisions in 60 minutes

We’ll email you within an hour with an outcome or in some cases to get more information

Considering a reno?

Our handy guide to home renovation contains detailed information, checklists and answers common questions to help you navigate the renovation process, so you can move forward with confidence.
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  • 1. What is the eligibility criteria?
     

    You must be:

    • 21 years or over
    • An Australian citizen or permanent resident
    • Earn $50k or more per annum
    • Not be bankrupt or in a debt arrangement
    • Not be solely reliant on Centrelink as a source of income
  • 2. How do I apply?
     

    To make it quick and easy you can only apply online. This will take between 5 and 10 minutes.
    Click here to apply.

  • 3. How much can I borrow?
     

    You can borrow any amount from $5,000 to $100,000. Subject to our credit assessment criteria. Terms, conditions, fees and charges apply.

  • 4. How often do I need to make repayments?
     

    You can select to make repayments fortnightly or monthly by direct debit.

See more FAQs

Your dream
awaits

Apply online in under 5 minutes and get a decision in 60 minutes.
Use the funds when you're ready.

Apply now

or

Check eligibility
Questions? Call 1800 012 795