“I had the pleasure of dealing with Emily and her service was exceptional. From the moment I reached out to her with some questions, she was prompt, courteous, and extremely helpful.”
Verified Customer
NSW
Finance Solutions for Real Life
Bad credit? Defaults? Declined by banks? We specialise in helping everyday Australians get the finance they need.
We've helped thousands of Australians with imperfect credit find finance options.
Check Your Options(No Credit Impact)
0+ Lenders
Bad Credit Specialists
No Credit Impact Quotes
Australian Owned
Your Lending Friend - Finance Broker Australia
Life doesn't always go to plan. Maybe you've had some bumps in the road - a relationship breakdown, unexpected bills, a tough period at work. Whatever happened, your past shouldn't define your future.
At Your Lending Friend, we specialise in helping Australians with bad credit, defaults, or challenging financial histories get approved for finance. While banks often turn people away, we work with over 40 specialist lenders who look at your whole situation - not just your credit score.
Whether you need a car loan to get to work, a personal loan to consolidate debt, equipment finance to grow your business, or truck finance to get on the road, we're here to help you find a way forward.
Our Finance Services
Finance solutions tailored to your situation
Car Loans
Finance for new and used vehicles with flexible options.
- New & used car finance
- Bad credit car loans
- No deposit options
- Refinancing
Learn more
Personal Loans
Flexible personal finance for all your needs.
- Debt consolidation
- Bad credit personal loans
- Fast approval
- Low doc options
Learn more
FeaturedBad Credit Loans
Specialist lenders who look beyond your credit score.
- Loans with defaults
- After bankruptcy
- Declined elsewhere
- Second chance finance
Learn more
Business Finance
Fund your business growth with tailored solutions.
- Truck & trailer finance
- Equipment loans
- Business cash flow
- Low doc options
Learn more
How It Works
Getting approved is simple
Quick Online Application
Complete our simple 5-minute application. You'll receive a personal tracking link to monitor your progress in real-time.
We Find Your Match
Our brokers review your situation and match you with lenders from our panel of 40+ - including specialists who work with bad credit.
Get Your Approval
We present your options, explain everything clearly, and help you choose the right loan. Many customers get same-day approval.
Drive Away / Get Funded
Once approved, your funds can be available within 24-48 hours. We handle the paperwork and support you through settlement.
Checking your options won't affect your credit score
Why Choose Your Lending Friend?
We specialise in helping people find finance when others say no
40+ Lenders Including Bad Credit Specialists
Access to major banks and specialist lenders - including ones you won't find at your local bank branch.
No Impact to Credit Score for Quotes
Getting a quote doesn't affect your credit score. Find out your options risk-free.
Human Service, Not Just Algorithms
No robots here. Talk to real people who understand your situation and take the time to help.
Fast Approvals, Often Same Day
Apply online in 5 minutes. Get a response within 24 hours. It's finance without the hassle.
Australian Owned & Operated
Local brokers who understand the Australian market and are here when you need them.
Live Application Tracking
Track your application progress in real-time with your personal tracking link. No more wondering where things are up to.
We Specialise in Bad Credit
While others see a number, we see a person. Our specialty is helping people with defaults, bankruptcy history, or imperfect credit find finance options. Your past doesn't define your future.
What Our Customers Say
Real stories from real Australians we've helped
“Emily went above and beyond to ensure that I had all the information I needed to make an informed decision about my purchase. She was patient and understanding, taking the time to answer all of my queries in detail and providing additional insights and recommendations.”
Verified Customer
NSW
“Emily's professionalism and commitment to customer satisfaction really stood out. She was always available to address my concerns and made sure that my experience was a positive one.”
Verified Customer
NSW
“Very professional and helpful. Thanks, keep up the great customer service!”
Steve Chisari
NSW
“As a beginner, I needed some advice and I was not disappointed. Thanks again to Emily for being so patient!”
Verified Customer
NSW
Verified customer reviews
Frequently Asked Questions
Got questions? We've got answers.
We're a finance broker specialising in helping Australians - especially those with bad credit - access car loans, personal loans, and business finance. We compare options from over 40 lenders to find the right fit for your situation.
Yes! Bad credit loans are our specialty. We work with specia...
Yes! Bad credit loans are our specialty. We work with specialist lenders who look at your whole situation, not just your credit score. We've helped thousands of Australians with defaults, bankruptcy history, and poor credit get approved.
No. Our initial assessment uses a "soft" credit check that d...
No. Our initial assessment uses a "soft" credit check that doesn't impact your credit score. A full credit check only occurs if you proceed with a formal application.
Most applications receive a response within 24 hours. For st...
Most applications receive a response within 24 hours. For straightforward applications, same-day approval is often possible. Settlement typically takes 2-5 business days. You can track your application progress in real-time with your personal tracking link.
We help with car loans, personal loans, debt consolidation, ...
We help with car loans, personal loans, debt consolidation, truck finance, equipment finance, and business loans. We have options for all credit situations, including bad credit and no deposit.
We charge a fee for our services which is built into your lo...
We charge a fee for our services which is built into your loan, and we also receive commissions from lenders when we arrange finance. These costs are disclosed upfront so you know exactly what you're paying. Our fee structure is designed to align our interests with yours - we want to find you the right loan, not just any loan.
Still have questions? Contact our friendly team