Finance for First Responders
Police officers, firefighters, paramedics and emergency service workers - we connect you with lenders who appreciate your service and understand your income structure.
Lenders who value first responder employment
Finance Solutions for Those Who Protect and Serve
First responders put themselves on the line every day to keep our communities safe. Whether you are a police officer, firefighter, paramedic, or other emergency service worker, your commitment to public safety is valued.
At Your Lending Friend, we work with lenders who recognise the dedication and stability of first responder careers. They understand shift work, overtime, allowances, and the reliable income that comes with serving in emergency services.
Whether you need a reliable vehicle for commuting to the station, want to consolidate debts, or are planning for your family future, we can help find finance that respects your service.
Why First Responders Use Finance Brokers
We understand shift allowances, overtime, and penalty rates common in emergency services
Access to lenders who highly value first responder employment stability
We can work around your roster - including night shifts and on-call periods
Knowledge of various emergency service award conditions and entitlements
Save time by not visiting multiple banks during your time off
Support navigating finance during major career events like promotions or transfers
Common Finance Needs for First Responders
We help with a range of finance products tailored to your profession
Car Loans
A reliable vehicle is essential when you are working irregular hours and need to get to the station at short notice. We find car finance that suits your roster and pay cycle.
Personal Loans
Whether for home improvements, family needs, or unexpected expenses, personal loans can help first responders manage larger costs.
Debt Consolidation
Simplify your finances by combining multiple debts into one payment. Less financial stress means you can focus on the job at hand.
Recreational Finance
Your downtime matters. We can help finance boats, caravans, motorbikes, or other recreational vehicles to enjoy your time off.
How It Works
Getting finance is simple
Quick Online Application
Complete our simple 5-minute form. We only ask what we need, and checking your options will not affect your credit score.
We Find Your Match
Our brokers review your situation and match you with suitable lenders from our panel of 40+ including specialists who understand your profession.
Get Your Options
We present your options, explain everything clearly, and help you choose the right loan. Many customers get same-day approval.
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
Benefits for First Responders
Why Your Lending Friend works for your profession
Roster-Friendly Service
We work around your shifts, including evenings, weekends, and irregular hours. Your roster comes first.
First Responder Recognition
We connect you with lenders who specifically value emergency service employment and may offer preferential consideration.
Income Expertise
We know how to present overtime, allowances, and penalty rates to maximise your borrowing capacity.
Efficient Process
Your rest days are valuable. We minimise the time and effort needed from you throughout the process.
Lenders Who Understand First Responders
We connect you with lenders who appreciate your profession
Lenders Who Respect First Responders
Many lenders view first responders as ideal borrowers due to job security, steady income, and demonstrated responsibility. We connect you with these lenders.
Understanding of Emergency Services Income
Our lender panel includes those who properly assess overtime, shift allowances, and other components that make up first responder income.
Support Across All Services
Police, fire, ambulance, SES, corrections, and other emergency service workers - we have lending options for all first responders.
Questions? We Are Here to Help
Our team understands the unique needs of first responders. Get in touch to discuss your situation.
First Responders Finance FAQs
Common questions from professionals like you
Yes, many lenders consider first responder employment very favourably due to job security, consistent income, and the responsible nature of the work. We can connect you with these lenders.
Most lenders will consider regular overtime, shift allowance...
Most lenders will consider regular overtime, shift allowances, and penalty rates as part of your income. We know which lenders are most generous in their assessment and how to present your full income.
Absolutely. We are set up to work around irregular schedules...
Absolutely. We are set up to work around irregular schedules. We can communicate via email, phone, or SMS at times that suit your roster, including evenings and weekends.
Yes. While you may be in a probationary period, the structur...
Yes. While you may be in a probationary period, the structured career path and job security in emergency services is well understood by many lenders. We can find options suitable for your situation.
Usually recent payslips showing your various allowances, ban...
Usually recent payslips showing your various allowances, bank statements, and ID. Your payslips from emergency services are typically well-documented, making the process straightforward.
There are no upfront fees to use our service. Our fee is inc...
There are no upfront fees to use our service. Our fee is included in your loan and only applies if your loan settles. We are paid by the lender, not you.
Still have questions? Contact our friendly team