“Friendly Finance is a lender-finding service for easy loans. We do not offer financial advice. Consider seeking independent legal, financial, taxation or other advice to check how the information and ideas presented on this website relate to your unique circumstances.”
Aussies are borrowing more than ever before, and as a result, the need to find quality, trusted lenders has increased dramatically. That’s where we come in. Friendly Finance is ready to find everyday Aussies a quality lender when they need it most.
Applying for a loan can be stressful and daunting. However, to make the process a lot easier for you, friendly finance can match you with the best lender for your situation. Our service offers you a hassle-free, fast and easy loans for your convenience.
We’ll Find Trusted Lenders In Minutes
Lenders can provide fast and easy cash loans for a fixed period of time. Loan recipients can repay these easy loans in weekly, fortnightly, or monthly instalments. Before lenders and borrowers sign a contract, the lender should inform the borrower of how long they will be repaying their loans and when they can expect to repay it in full as well as of other considerations.
Friendly Finance partners with lenders that offer personal loans when you need it most. We can pair you with a lender, that can provide fast, easy cash loans ranging from $300 to $15,000. In some cases, we’ve been able to secure same-day loan approval, depending on when you apply.
Let us do all the work of finding you a trusted lender that can provide you with easy loans.
Why Friendly Finance?
If you’re searching for an easy personal loan, you may find yourself spoilt for choice. However, choices can be overwhelming. That’s why we’re here. We have the expertise to find a quality lender for you, so you don’t have to. Find the lender you need, without the hassle and without the endless searching and second-guessing.
When you’re looking for quick cash, the last thing you need is a fruitless Google search. Friendly Finance works with trusted lenders, that should provide crystal-clear terms and transparent repayments. Don’t be fooled by hidden fees or charges, let Friendly Finance match you with trusted lenders and easy loans – whenever you need it!
Don’t wait, complete an application in minutes and we can find you a lender in no time.
Searching For ‘Fast and Easy Loans Near Me?’
It doesn’t matter where you live in Oz because we are 100% online, so you can apply anytime, anywhere. After you complete our simple application, we’ll get straight to work finding you a lender that can help. Of course, we cannot offer guaranteed approval, that’s up to your new lender. However, we can fast-track the loan process by doing the searching for you.
Our application process is 100% online, so you can apply from the comfort of your living room or on your lunch break or even on the go. Wherever you are, when you apply with Friendly Finance, there is always a lender nearby.
Easy Small Loans: Get Approved Online
It can be very easy to find a lender through Friendly Finance. There’s a simple application form we require you fill out online. Select the amount you wish to borrow then hit “Apply Now”. The price of the loan, including interest, depends on each individual lender and their fees and costs.
Fast, Easy Loans with Bad Credit
Friendly Finance doesn’t conduct any kind of assessment of your application, and that includes credit checks. We also cannot speak to individual lenders and how they assess your application. Generally, credit enquiries are a guiding principle of responsible lending practices. Application and credit review processes vary depending on the lender. Normally, loan providers check your credit through credit reporting bureaus or national databases.
We do, however, find lenders that can offer fast bad credit loans. We partner with lenders that can look at more than just your credit score. For many lenders, your current relationship with money and your spending habits are more important than your credit rating. If you have not-so-perfect credit, that’s fine – apply and we’ll do our best to find a lender that looks at more than just your credit score. So, whether you have bad credit or receiving Centrelink, we can find lenders that can give you a fair go and provide you with an easy loan.
Help for Unemployed Persons and Centrelink Recipients
Local lenders understand there is a demand for loans for people on Centrelink. For these Aussies, it can be harder to apply for a loan from a big bank. That’s why we find small, local lenders that can offer quality loans when you need it most.
We can find lenders for people receiving Centrelink because we know that people’s circumstances are temporary 99% of the time. In addition, some lenders may look at Centrelink benefits as an income if it’s received regularly. Receiving Centrelink doesn’t stop you from needing another helping hand. We can find that helping hand, save you hassle and you could have an easy loan in no time.
We have helped many self-employed people get loans as well. Friendly Finance’s simple application process will clear your schedule so you have more time to spend with clients.
So why not apply today? It’s free of charge, and we’ll do our best to find you a trusted lender that can offer the finance you need, quickly.
Terms You Need to Know
So, what type of loans do the lenders we partner with offer? We can help you get:
| ✓ | Short-Term Loans |
| ✓ | Personal Loans Low Interest |
| ✓ | Instant Cash Loans |
| ✓ | Personal Loans Small |
| ✓ | Bank Loans |
What are Short-Term Loans?
The principal amount of these money loans range from $300 to $2,000 and the repayment period could range anywhere from two weeks to two years. Typically, you can make repayments by direct debit from your nominated bank account. The law requires lenders who offer short-term loans to display a warning that they can provide alternative borrowing options because these come with the highest interest compared to any other loan product.
Easy Loans, Interest Rates and Repayment Terms
At Friendly Finance, we’re ready to find you a quality lender that offer you the cash you need, without hassle. We can help you get up to $15,000 for personal reasons, such as childcare costs, child-related costs, training or education for personal needs, and more. If you’re not comfortable listing the reason for applying, just select “other” from the drop-down menu of reasons for needing a loan. The lender we potentially find for you will give you a loan that you can repay over a period of 1 to 5 years. You can choose the term. Personal loans also accrue interest on the loan amount. Remember to account for the interest rates for your loan to see the total cost of your loan. The longer your repayment term is, the more interest you’ll pay.
The interest rate can either be charged at a variable rate (varies throughout the repayment term) or at a fixed rate (stays the same all the time and is charged as a percentage of the principal). Some lenders will charge a combination of both.
Common uses of this loan product include buying a car, paying for a holiday, renovation, or even a wedding.
Secured and Unsecured Personal Loans
Personal loans can be secured or unsecured. Secured loans tend to be larger because an asset is used as collateral. The lender may have the right to seize this asset if the borrower defaults. The interest rate on secured personal loans is lower than that on unsecured because of the lower risk facing the lender.
If you apply for a unsecured personal loan, that means that you typically don’t have to provide an asset (car, boat, etc.) as collateral. Unsecured loans are small loans ranging from $300 to $2,000.
What are the requirements?
Friendly Finance has lender-partners across Australia, so chances are we can find you a lender that is ready to give you a fair go. Before you apply, just double check you meet our basic requirements:
- Be at least 18 years old
- Be an Australian citizen or permanent resident
- Have a regular income in a personal account for at least 3 months
- Internet banking account
If you meet our basic requirements, then you’re ready to apply! Just scroll up and use our loan calculator to begin your application. Please keep in mind we cannot guarantee a lender will accept your application.
How to Apply
Crossed off all the requirements? Then you’re ready to apply! Applying for our lender-finding service is pretty simple. Just follow three basic steps:
Step 1: You Apply Online
Whether you’re at home or at work, you can apply for the lender you need. Just jump online and complete our quick application. Simply select how much you wish to borrow, then hit the ‘Apply Now’ button. You’ll be taken to our application, spend a few minutes filling in relevant details about your financial situation then you’re ready to submit!
Step 2: We Find You A Lender
The next step is all us. After you submit your application, we get straight to work finding you a lender (if you apply during regular business hours). If we find you a lender, we’ll let you know straight away, so keep an eye on your phone or email.
Step 3: Meet Your Lender
If we find you a lender, they should be in contact straight away and begin assessing your application. As a lender-finder, we cannot speak to the operations of individual lenders. If you’re approved, your lender should send you a contract to review, sign and send back. If you have any questions about the assessment of your application, please direct them to your lender.
We find you a lender that can offer the easy loan you need when you need it most. So, why wait? Apply today in minutes and you could meet your new lender in no time!
Details on Repaying the Loan
If you are approved and agree to the loan terms, you and the lender should organise a direct debit. This is the easiest way to go about it because payments are automatically deducted from your nominated account on a date specified by you. This setup discourages defaulting, so you’ll avoid additional fees for late payments. Also, lenders prefer it over other options.
Prior to signing a loan contract, your lender should play an active role in setting up the repayment schedule. Take the time to consider if it’s convenient for you. If it is not, ask that it be adjusted. Ask the lender to send you an email or text message ahead of due payment. If you are struggling with your repayments, please contact your lender directly. Your lender may be able to adjust your repayment plan for your circumstance.
Should you have any more questions, the government hosted MoneySmart website has a host of useful information!
Apply Today for Easy Loans!
If the lender we find approves your application, they’ll get in touch with you directly. Check your email inbox, spam folder, and other folders and phone message system regularly because you’ll receive updates and repayment details via these channels. Please notify us and your lender as soon as possible if any of your contact details change. Friendly Finance’s partners might contact you by phone to ask for additional documents if needed.
Don’t hesitate to contact us if you have questions or inquiries. We’re always here to guide you through the process.