Finance for Government Workers
Federal, state, and local government employees - we connect you with lenders who value public sector employment stability and understand salary packaging options.
Lenders who value public sector employment
Finance Solutions for Public Sector Employees
Government workers keep Australia running. Whether you work for a federal department, state agency, or local council, your service to the public deserves recognition from lenders.
At Your Lending Friend, we work with lenders who understand public sector employment. They recognise the job security, consistent income, and reliable superannuation that comes with government work.
Whether you need a car loan, want to explore novated leasing through salary packaging, or are looking at personal finance options, we can help find solutions that work with your employment structure.
Why Government Workers Use Finance Brokers
We understand salary packaging and novated lease options available to public servants
Access to lenders who highly value government employment stability
We can explain your entitlements and salary structure to lenders
Knowledge of various government award conditions and pay structures
Save time by not visiting multiple banks during work hours
Support for both personal and salary-packaged finance options
Common Finance Needs for Government Workers
We help with a range of finance products tailored to your profession
Car Loans
Finance for a new or used vehicle, with options to suit your budget and preferences. Government employees often access competitive rates.
Novated Lease
Salary package your vehicle and running costs through a novated lease. Potential tax savings and simplified budgeting.
Personal Loans
Whether for home improvements, holidays, or consolidating debts, personal loans can help achieve your financial goals.
Debt Consolidation
Simplify your finances by combining multiple debts into one manageable payment with a potentially lower rate.
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 Government Workers
Why Your Lending Friend works for your profession
Employment Recognition
Government employment is highly valued by lenders for its stability and security. This can translate to better rates and terms.
Salary Packaging Expertise
We understand novated leasing, salary sacrifice, and how to maximise your entitlements as a public servant.
Flexible Service
We work around your schedule - lunch breaks, after hours, whatever suits your work commitments.
All Levels of Government
Whether federal, state, territory, or local council - we have lenders who understand your employment.
Lenders Who Understand Government Workers
We connect you with lenders who appreciate your profession
Lenders Who Value Government Employment
Many lenders offer preferential consideration for government employees due to job security and reliable income. We connect you with these lenders.
Novated Lease Specialists
Our panel includes novated lease providers who work specifically with government salary packaging systems.
Understanding of Public Sector Pay
Lenders who understand government pay scales, increments, and the various allowances that may apply to your role.
Questions? We Are Here to Help
Our team understands the unique needs of government workers. Get in touch to discuss your situation.
Government Workers Finance FAQs
Common questions from professionals like you
Yes, government employment is generally viewed very favourably due to job security, consistent income, and reliable superannuation. This can result in competitive rates and easier approvals.
Most government employers offer salary packaging including n...
Most government employers offer salary packaging including novated leases. This allows you to pay for a vehicle and running costs from pre-tax income, potentially saving thousands.
Yes. While permanent employees may have more options, contra...
Yes. While permanent employees may have more options, contractors with government work history can still access finance. We know which lenders are flexible with contract employment.
Usually recent payslips, a letter of employment, bank statem...
Usually recent payslips, a letter of employment, bank statements, and ID. Your government payslips are typically well-documented, making the process straightforward.
For many government workers, yes. The FBT exemption on elect...
For many government workers, yes. The FBT exemption on electric vehicles makes novated leasing particularly attractive. We can explain the costs and benefits for your specific situation.
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