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  • Your online
    personal loan broker

    We search 100's of personal loan options to help you find a lender.

    • 100% online
    • Easy application
    • Fast Outcomes

    Loan Amount

    - $1,500 +

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    Easy Financial Loans: $300 – $15,000

    “​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.”

    According to the annual economic report of the Australian Banking Association, every third small business has no debt and does not access debt facilities, and every fourth has no debt, but does have access to a credit card.

    If we exclude credit cards, almost 50% of small businesses have a loan facility. Overdrafts, long-term cash loans, and property mortgages are the most commonly utilised sources of credit (excluding credit cards) with 24% 15%, and 14% of businesses using these respectively. Growth in these loans is increasing at a rate of almost 4 per cent a year.

    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.

    Find Trusted Lenders In Minutes

    Lenders can provide fast and easy cash loans for a fixed period of time. Loan recipients 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 works 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.

    Why Friendly Finance?

    If you’re searching for a personal loan, you may find yourself spoilt for choice. However, choices can be overwhelming. That’s why we’re here. We find a quality lender for you, so you don’t have to. Find the lender you need, without the hassle, without the endless searching and second-guessing.

    When you’re looking for cash quick, the last thing you need is a fruitless google search. There are advantages where repayment terms are concerned too. Friendly Finance works with trusted lenders, that should provide crystal-clear terms and transparent repayments.

    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. 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 just a bit of basic info to fill in on our online application form. You select the amount you wish to borrow then hit “Apply Now”. How much will the loan cost? 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. 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. Our team can find lenders that can also look to your current relationship with money to assess your suitability for a loan.

    So, whether you have bad credit or receiving Centrelink, we can find lenders that can give you a fair go at finding the loan you need.

    Help for Unemployed Persons and Centrelink Recipients

    The local small lenders are responding to the demand for easy loans by everyday Aussies that are receiving Centrelink payments or are self-employed. 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. And that doesn’t stop you from needing a 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 persons 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 find offer? We can help you get:

    ✓Short-Term Loans
    ✓Personal Loans Low Interest
    ✓Instant Cash Loans
    ✓Personal Loans Small
    ✓Bank Loans

    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 from Trusted Lenders

    At Friendly, we’re ready to find you a quality lender that offer the cash you need, without hassle. We can help you get up to $15,000 for personal reasons, such as care 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. This 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.

    How to Apply

    So, how does it all work? Applying for our lender-finding service is pretty simple. You simply need to 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!

    Will I Get a Loan?

    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.

    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 account on a date specified by you. This setup discourages defaulting, which makes 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.

    Should you have anymore questions the government hosted MoneySmart website has a host of useful information

    Easy Loans Now: Apply Today

    If the lender we find approves your application, they’ll get in touch with you directly. Please 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. Friendly Finance’s partners might contact you by phone to ask for additional documents. Please notify us and your lender as soon as possible if any of your contact details change.

    • SMALL LOANS
    • MEDIUM LOANS
    • LARGE LOANS

    Loan amount

    $300 - $2,000

    Terms

    12 months

    Costs

    20% upfront establishment fee

    + 4% monthly fee

    Example

    Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

    Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR) %. The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate

    Loan amount

    $2,001 - $4,600

    Terms

    13 months

    24 months

    Costs

    48% annual percantage rate

    67.41% comparison rate p.a.

    Example

    Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

    This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

    Loan amount

    $5,000 - $15,000

    Terms

    13 months

    24 months

    Costs

    21.24% annual percantage rate

    48% comparison rate p.a.

    Example

    Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

    This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

    Let's find a loan for you.

    We research hundreds of consumer finance options to help you make the right decision. Apply today and get a loan especially just for you.

    HOW IT WORKS

    • Contact Us
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    FURTHER INFORMATION

    • Terms and Conditions
    • Privacy Policy
    Marketplace Finance Pty Ltd with ACN 608 607 227 and ACL 487316 is trading as Friendly Finance. Friendly Finance does not make finance or credit decisions and is not a provider. Friendly Finance helps customers find financial partners that meet their requirements.Financial partners may wish to obtain credit reports as part of the decision process. The line of credit available will vary depending on the financial provider. In order to help the government fight identity theft, the funding of terrorism and money laundering activities, providers may verify and record customer information. This website does not directly endorse a particular product and service.Any information on this website should be taken as opinion only.
    WARNING: Do you really need a loan today?*

    It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.


    Check your options before you borrow:

    • For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
    • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
    • If you are on government benefits, ask if you can receive an advance from Centrelink: www.humanservices.gov.au/advancepayments.

    The Australian Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

    *This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.