Wingate Consumer Finance (WCF) is a leading non-bank personal loan specialist. Trading under the NOW FINANCE , Wingate has developed multiple distribution channels, a state of the art technology platform and a differentiated product offer that has allowed us to successfully grow market share and in doing so originate a diversified portfolio of high quality consumer loans.

Our secured and unsecured personal loan products are distributed through a national network of over 3000 accredited finance brokers, as well as direct to consumers via our leading online portal and Australian based customer care centre.


Fundamental to Wingate’s success has been the development of a unique business platform which includes:

  • Technology led innovation enabling operational effectiveness and a superior customer experience and service;
  • Simplicity of product design which means easy to understand loans;
  • Robust risk assessment and management which underpins the high quality of our loan book;
  • A strong compliance culture and oversight which has been paramount from the start;
  • A scalable institutional grade funding model has evolved to ensure targeted growth can be achieved and funding costs optimised;
  • An experienced management team has guided the development and execution of a compelling growth strategy.

Learn more about NOW FINANCE.

WCF has developed an institutional grade funding platform which is made up of two key parts:
1. Bank warehouses; and
2. Dedicated institutional note programs as well as co-investor note programs.

Learn more about co-investing in our note program.

Consumer Finance Team

David Norman

David Norman

General Manager, Consumer Finance

David has nearly 20 years’ experience in the consumer finance industry in Australia and New Zealand. Prior to joining Wingate Consumer Finance, David was Sales Director for GE Capital’s personal loan business as well as General Manager of their New Zealand personal loan business.

He held numerous sales distribution and senior management roles with GE over a 15 year period, including four years in their South African business.

Mark Hansen

Mark Hansen

Chief Financial Officer, Consumer Finance

B.Bus (Acc), Chartered Accountant

Mark has over 25 years experience in professional advisory and corporate businesses.

Prior to joining Wingate Consumer Finance he gained extensive experience in CFO and Company Secretary roles within private equity backed businesses focused on sector consolidation and growth. He spent time as CFO of Vision Group Holdings Limited (“VGH”), a private equity back consolidation in the Healthcare Sector and was involved with from its initial development through to successful listing on the Australian Stock Exchange.

Prior to commencing the first of his CFO roles Mark was a Director of corporate finance firm Hindal Corporate where he was involved in a range of transactions, including capital raisings, business acquisitions and disposals and private equity investments.

James Cunningham

James Cunningham

Head of Funding and Corporate Development, Consumer Finance

B.Comm (First Class Honours)


James has nearly 20 years of experience in financial markets, including proprietary and risk management roles in equity, debt and foreign exchange.

James’s career has included senior roles at Macquarie Bank in Sydney, London and New York.

Kaajal Fox

Kaajal Fox

General Counsel & Company Secretary

LLB, B.Bus (Acc), Masters of Laws (Uni of Melb)

Kaajal is an experienced in house executive lawyer with over 15 years of experience in the financial services sector. Kaajal’s career has included private practice and senior legal roles at GE Capital and WEX Australia, Asia and New Zealand where she developed and led the legal and compliance aspects of the US listed financial services company.