Car Loans & Finance in Townsville
Whether you're buying a car in Townsville, need truck finance for your mining business, or have been turned down elsewhere, we'll help you find the right loan. Access over 40 lenders including specialists for bad credit, FIFO workers, and defence personnel.
Helping Townsville and North Queensland residents find finance since 2010.
Your Local Finance Partner in Townsville
Townsville is the capital of North Queensland - a vibrant city that serves as the gateway to the Great Barrier Reef, the base for major defence operations, and the hub for one of Australia's most significant mining regions. At Your Lending Friend, we understand the unique opportunities and challenges of life in the tropics.
Whether you're a FIFO worker heading to the mines, defence personnel at Lavarack Barracks, a young family in Kirwan, or a tradesperson working across the region, we've helped thousands of North Queenslanders find the finance they need. Our brokers take the time to understand your situation and find lenders who can help.
Finance Services in Townsville
Comprehensive lending solutions for Townsville and North Queensland
Car Loans
New and used car finance with competitive rates for Townsville buyers.
Bad Credit Car Loans
Specialist lenders who help North Queensland residents with imperfect credit.
Personal Loans
Flexible personal finance for any purpose, available across Townsville.
Business & Equipment Finance
Fund your Townsville business with finance for mining and construction equipment.
Truck & Trailer Finance
Commercial vehicle finance for North Queensland mining and transport industries.
Leisure Finance
Finance for boats, jet skis, and 4WDs to explore the Reef and outback.
Why Townsville Chooses Your Lending Friend
We've helped thousands of North Queensland residents get the finance they need
Local North QLD Knowledge
We understand the Townsville economy - from mining and defence to the port, university, and growing services sector.
Mining & Defence Specialists
We have lenders who understand FIFO rosters, mining allowances, ADF pay structures, and the unique income patterns of these industries.
Fast Townsville Approvals
Apply online from anywhere in North Queensland and get a response within 24 hours. Many customers get same-day approval.
Bad Credit Welcome
Mining downturns and industry changes can affect anyone. We help Townsville residents with past credit issues find a second chance.
Reef & Marine Finance
Boat, jet ski, and marine equipment finance for exploring the Great Barrier Reef, Magnetic Island, and tropical waters.
No Credit Score Impact
Get a quote without affecting your credit score. Find out your options risk-free before committing.
Serving Townsville & North Queensland
We help customers across Greater Townsville and the wider region
Plus Charters Towers, Ingham, Ayr, and all surrounding North Queensland areas
Townsville Car Loan FAQs
Common questions from Townsville customers
Yes! We specialise in helping Townsville and North Queensland residents with bad credit find car finance. Our panel includes specialist lenders who assess your current situation, not just your credit history. Many Townsville customers with defaults, bankruptcy, or poor credit have been approved through our service.
Most Townsville applications receive a response within 24 ho...
Most Townsville applications receive a response within 24 hours. For straightforward applications, we often achieve same-day approval. Once approved, settlement typically occurs within 2-5 business days, so you can be driving your new vehicle out to Magnetic Island ferry or heading west to the mines.
Absolutely! Townsville is the gateway to some of Australia l...
Absolutely! Townsville is the gateway to some of Australia largest mining operations. We have extensive experience helping FIFO workers, mining contractors, and resources sector employees get approved. Our lenders understand roster-based income and remote area allowances.
Yes! With Lavarack Barracks and RAAF Base Townsville, we hel...
Yes! With Lavarack Barracks and RAAF Base Townsville, we help many ADF members. Our lenders understand military pay structures, allowances, and the unique circumstances of defence employment including posting cycles.
Yes! While Townsville is our hub for North Queensland, we he...
Yes! While Townsville is our hub for North Queensland, we help customers throughout the region including Charters Towers, Ingham, Ayr, Home Hill, and communities heading inland toward the mining regions.
Living near the Great Barrier Reef means boating is a way of...
Living near the Great Barrier Reef means boating is a way of life. We offer finance for boats, jet skis, and marine equipment so you can explore Magnetic Island, the Palm Islands, and the reef in your own vessel.
Still have questions? Contact our friendly team