Friendly Finance is your personal online lender-finder. We can help you find access to the best personal loans and hundreds of loan providers, in only a few minutes.
Fill in our fast, hassle-free online application, and you could be the relieved owner of a new loan – today still!
Fast online loans $300 to $15,000
Need access to cash in a flash? From a few hundred to a few thousand? Friendly Finance has you sorted and can help you find the lender that can offer best personal loans to suit your needs.
Friendly Finance is not a loan provider. We are a lender finder and we’re experts at sourcing the best personal loans in Australia. When you work with us, you submit one simple application, and we handle everything else. We scan through hundreds of personal loan products and find you a potential lender.
We only match you with lenders who are likely to say “YES” and grant you a loan. Even if you are on Centrelink or worried about poor credit, you can still apply.
What are the best personal loans for you?
When you apply with Friendly Finance you work with the best. But, it’s also good to consider the best for you.
There are other factors you may need to consider when finding your best personal loans, such as:
- Monthly affordability
Paying a loan back in a short period of time will give you a long-term saving in interest, in which case a short term loan might be exactly what you are after. On the other end of the scale, it also makes your monthly repayments higher. A longer payment plan will usually result in more affordable monthly payments. In the long term, this does increase how much you pay back in interest/fees.
- Your credit history
How’s your credit score? You can check it out on Equifax if you’re not sure. It’s good to be aware of your credit score before you apply, so you know exactly where you stand.
It’s true that sometimes the need for urgent cash is more pressing than other needs. If your emergency has a deadline, you need to choose a loan provider that can offer you a quick turnaround time. Some lenders will even offer same day payout for certain loan products!
- Any extra benefits?
Can you freeze payments during a tight month? Are there benefits for early payment? Can you restructure your payment plan? Choosing a loan provider that helps you to reduce the stress of monthly payments is definitely beneficial to your long-term stress. It’s crucial that you know the right questions to ask, and that you know you have the right to ask them!
The best personal loans for you could be only the click of a button away. Friendly Finance offers a superb loan finding solution to help you source the loan that’s perfect for you.
So… Are you eligible for a loan?
Chances are good so long as you are:
- 18 years or older
- An Australian permanent resident or citizen, and residing in Australia
- Earning a regular and/or minimum net income
- Able to make repayments
Certain loan providers may have their own specific eligibility requirements. But, for unsecured personal loans of smaller amounts this is the general criteria.
Centrelink or poor credit history?
Yes, we can help you source quick cash loans if you are on Centrelink. We can even still help if your credit history is not as healthy as you’d like it to be (and that goes for many of us!).
There are a few legal requirements that outline how much a Centrelink client can apply for. Usually based on a percentage of the loan application and Centrelink income.
As in many industries, some of the providers are a little stricter than others. If you are on Centrelink, we match you with lenders who choose not to penalize Centrelink clients. Our preferred lenders view your Centrelink income as part of your total monthly package.
At Friendly Finance we understand that your credit score might not be a good reflection of your current financial state of affairs. The lenders we submit your application to can look at more than just your credit score. They tend to place more importance on your ability to pay back the loan. What this means for you is that even if your credit score is below 600, finding the best personal loans is still within your reach.
Of course, responsible lending is imperative. We will do all that we can to help you find the best personal loans, but we cannot guarantee any outcomes.
Best personal loans as easy as 1, 2, 3
- Apply online
Our online application form takes but a few minutes to fill out. It’s completely hassle-free, and you can do it from the comfort of your favorite armchair. We keep your data 100% safe so no worries.
- We do a search
We use your info provided to search our database of hundreds of loan providers and loan products. We can get you connected with a lender that can offer the best personal loans online.
- A lender in minutes
Our technology enables us to match you within minutes if you apply during business hours. We let you know ASAP if we have found suitable matches. From there, we connect you with the loan provider and you then sort out the details of applying for a loan.
There are of course no guarantees that your matched lender will approve your loan application. What we can say is that if a lender makes contact with you, then there’s a good chance you will get your loan. Our purpose is to match you with lenders who will say “YES” based on your current financial info.
We’re 100% Online!
At Friendly Finance, there’s no need to worry about heading to the nearest bank and wait in an endless line. To apply with us, you simply need to complete an application online, submit it, then wait for us to find you a lender. It’s that easy. And there’s no need to worry about paperwork. Our application is 100% paperwork-free! So, apply today and apply for a lender you need with ease.
Our service cuts down panic and frustration
When you’re faced with a financial emergency, it’s ok to panic. In fact, it’s normal to panic! The problem is, it prevents you from thinking straight when all that you need is a solution that works.
Going on a frenzy of loan applications online might seem like a productive thing to do, but it’s not. Every time you submit your information to a new lender, it can affect your credit record. This can damage your credit score and possibly make it harder for you to find a loan.
Working with Friendly Finance can eliminate a great deal of your stress. Our process is easy and gives you access to hundreds of Australia’s best loan products. provide you with the lender within minutes, if you apply during business hours.
Best of all – it takes only one application. There should be no unwanted damage to your credit record.
Best personal loans service – guaranteed!
Can we guarantee your loan approval? No. But we can guarantee you’ll receive the best service we can offer you, while we hustle to source you a loan.
Our lender-finding experts at Friendly Finance have access to a large network of lenders and loan products. Add to this the power of technology, and we can find you potential loan providers in minutes.
Our obligation-free loan search is available to everyone. You can find different loans that meet your needs and compare a variety of offers. There’s no obligation to continue the process and accept any instant loans! If you do let us help you though, we connect you with the lender of your choice to finalize your agreement with them.
But what are your chances of loan approval? Excellent, if you’ve been honest in your initial application with us. You will also need to have the right documentation on hand to support your application. We submit your info to lenders who are likely to say yes, and we do our best to find lenders that offer the best personal loans online.
From there, it’s time to seal the deal. All that’s left is for you to sign the papers. And then you wait for the exciting beep-beep of a money transfer into your account!
So, need some money in a hurry?
Financial emergency got you down? Need a cash injection, like, yesterday? Going frantic because you can’t find a loan?
We get it. Emergencies wait for no one. When you need some extra cash, you need extra cash! You don’t have time to sit around and wait.
So, at Friendly Finance we have made our loan finding service quick and hassle-free.
- Our application is fast to fill in online
- We can get back to you a lender in minutes (if you apply during business hours)
- Some lenders offer same day loan payout!
We help you find a loan and try our best to ensure that you get access to your money as soon as possible. Plus, our service is suitable for Centrelink and low credit score clients!
If one of our preferred lenders grants you a loan, the time it takes for the transfer into your account may differ. It all depends on the loan provider and who you bank with. Many of the preferred lenders that we work with offer same day loan approval and fund transfer!
Choose Friendly Finance for the best personal loans!
At Friendly Finance we are expert lender-finders. Here are a few reasons why we’re the best service to help you source a personal loan.
$300 to $15 000 personal loans. Need a few hundred dollars to tide you over? Or does your emergency have a huge price tag? Never fear, we’ve got you covered.
Online or over the phone? Finding out if you are pre-approved and matched with one of our lenders, is all handled online. You may still need to submit documentation at a later stage. But again, this depends on your loan amount and provider.
We are fast. With the latest technology, we can scan hundreds of different loan products and providers. It takes only a few minutes to find matches and get back to you with possible loan solutions.
Your credit record is safe. Applying for too many loans at the same time damages your credit score. We give you access to many loan products from the one application, and your credit record is safe from harm.
Poor credit or Centrelink. You’re welcome to apply! We can find lenders that count your Centrelink benefits as part of your proof of monthly income. Many of the lenders we work look at more than just your credit score. Your current finances and how you handle money today is what counts, not your past mistakes.
Take a step towards financial freedom
Money doesn’t buy happiness or freedom. But access to cash through the best personal loans can reduce your stress when you’re in a pickle! So, find out more about our friendly lender-finding service and apply today! For tips and advice on budgeting, finance and other money related matters, read our blog.