Your Lending Friend

We Find It. We Negotiate It. We Finance It.

Buying a car without the dealership games. YLF Car Concierge searches for your next car, negotiates the deal on your behalf, and can arrange the finance too — your lending friend is now your car buying friend.

We work for you, not the dealership.

0+ Lenders
FBAA Award Finalist 2026
No Upfront Fees
Australian Owned

Car Buying Shouldn't Feel Like a Chore

The dealership does this every day. Most buyers do it every five years. We even the odds.

Dealer Pressure

High-pressure sales tactics, add-ons you didn't ask for, and finance-office upsells. We deal with the dealership so you don't have to.

Paying More Than You Should

Sticker prices, "no-haggle" policies and confusing drive-away figures make it hard to know what a fair deal looks like. We negotiate with insider experience.

Weekends Lost to Car Yards

Researching, ringing around, and trekking between dealerships eats your time. We do the legwork and bring the shortlist to you.

Trade-In Lowballs

Dealers profit when your trade-in goes cheap. We value your current car against the market so you can push back with confidence.

What's Included

End-to-end help from search to handover

Buyer Advocacy

We act as your trusted liaison with dealerships — a transparent process with no high-pressure sales tactics.

Expert Negotiation

Industry insider experience used to negotiate the vehicle price — including at "no-haggle" dealers and large chains.

Trade-In Assistance

A market-based valuation of your current vehicle, so your trade-in works as negotiating leverage instead of a giveaway.

Vehicle Search & Selection

A personalised search across new and used vehicles from all major makes, matched to your needs and budget.

Interstate Purchasing

If the right car is at a distant dealership, we handle the negotiation, paperwork and logistics.

Finance & Leasing Guidance

Plain-English education on finance options, GAP insurance, warranties and add-ons — so the finance office holds no surprises.

Packages & Pricing

Simple flat fees, confirmed in writing before you engage us

Negotiation Only

You've already chosen the car.

$250–$750 flat fee
  • We negotiate the price with the dealer
  • Trade-in negotiated on your behalf
  • Add-ons and extras reviewed
  • Contract reviewed before you sign
Start Now

Full Concierge

The complete end-to-end service.

Quoted on your free call
  • Needs consultation and budget planning
  • Vehicle search — new or used, any major make
  • Test drives arranged on your behalf
  • Negotiation and trade-in maximisation
  • Interstate sourcing where needed
  • Delivery / transport coordination
  • Finance can be packaged through YLF
Book a Free Call

Guide: $550–$1,100

Finance Client Bundle

For customers who finance through YLF.

Discounted or waived
  • Concierge fee discounted or waived
  • Applies when your loan settles through YLF
  • Same negotiation and advocacy service
  • One point of contact for car and finance
Book a Free Call

YLF Car Concierge is a vehicle purchasing assistance service and is separate from any credit assistance Your Lending Friend provides. Concierge fees are confirmed with you before engagement and are not part of any loan fees, charges or commissions, which are disclosed separately in our Credit Guide and your Credit Proposal.

How the Car Concierge Works

Five steps from first call to driving away

Book a Free Call or Start Now

Book a free 15-minute call, or for Negotiation Only, complete our short Car Preference form and we’ll confirm your quote before anything is payable.

Confirm Your Budget

We confirm your budget together. If you’d like finance, we can seek pre-approval for you through our 5-minute application — subject to lender assessment.

We Source and Negotiate

We search for your vehicle, obtain competing dealer quotes, and negotiate the price, your trade-in and any add-ons.

You Approve the Deal

Nothing is locked in without your say-so. Once you approve, we handle the paperwork, and any finance settles through YLF.

Collect Your Car

Pick your vehicle up at the dealership, or we can arrange transport to get it to you.

Checking your options won't affect your credit score

Why Buy Through YLF?

Your Lending Friend is founder-led by Emily Clunes, who has worked in the finance and dealership space for years — she knows how deals are structured from both sides of the desk, and now she puts that experience to work for buyers.

You deal with one person from search to settlement, not a call centre. And because YLF is a finance broker first, the finance conversation happens with someone accountable to you.

Member of the Finance Brokers Association of Australia (FBAA)
Registered with the Australian Financial Complaints Authority (AFCA)
Finalist, FBAA Finance Broker of the Year NSW & ACT 2026

Car and Finance, One Point of Contact

As finance brokers with a panel of 40+ lenders, we can package your car purchase and finance together — and if you finance through YLF, the Finance Client Bundle discounts or waives your concierge fee.

One search, one negotiation, one contact
Finance options explained in plain English
FBAA member, AFCA registered

What Our Customers Say

Real stories from real Australians we've helped

I can't speak highly enough of my experience with Emily at Your Lending Friend. I didn't just feel supported, I felt genuinely educated every step of the way. Emily always gave me multiple options and took the time to explain everything — having someone with dealership experience made a big difference. The entire process was unbelievably efficient. I received my pre-approval on the spot, went in on a Wednesday to choose my car, had full approval in under 24 hours, and my car was ready for pickup the very next day. Emily's care, compassion, and professionalism are truly second to none.

Katherine Ngaia

Google Review

Could not be more helpful or patient, definitely recommend.

Micah Fawkner

Google Review

Very professional and helpful. Thanks, keep up the great customer service!

Steve Chisari

Google Review

See all our Google reviews

Verified Google reviews from real customers

Already Chosen Your Car?

Tell us about the car and the deal on the table. We'll confirm your Negotiation Only quote and take it from there.

No payment is taken online. We'll confirm your flat-fee quote in writing before you engage us.

Free: The Australian Car Buyer's Checklist

Doing it yourself? Take our checklist with you — research, budgeting, on-road costs, trade-in prep, dealer tactics to watch for, and what to check before you sign or collect.

Car Concierge FAQs

Common questions about our car buying service

Negotiation Only is a flat fee, and the Full Concierge service is quoted on your free call based on what your search involves. If you finance through YLF, the Finance Client Bundle discounts or waives the concierge fee. All fees are confirmed with you in writing before you engage us — there are no surprises.

No — we work for you. We don’t accept payments from dealersh...

No — we work for you. We don’t accept payments from dealerships for steering you toward a particular car or dealer. Separately, if you choose to finance through us, we may receive a commission from the lender, which is disclosed in our Credit Guide and your Credit Proposal.

Yes. We prepare a market-based valuation of your current veh...

Yes. We prepare a market-based valuation of your current vehicle before negotiations start, so the trade-in figure works for you rather than against you.

Used and demo cars can be purchased interstate, and we handl...

Used and demo cars can be purchased interstate, and we handle the negotiation, paperwork and logistics — including arranging transport. New vehicles are different: they generally need to be sourced and purchased in your home state, so we’ll focus the search locally for a new car.

No. The concierge service stands on its own and you can pay ...

No. The concierge service stands on its own and you can pay for it directly. If you do choose to finance through YLF, the Finance Client Bundle applies and your concierge fee is discounted or waived.

You pick the vehicle up at the dealership, or we can arrange...

You pick the vehicle up at the dealership, or we can arrange transport to bring it to you.

It depends on how specific your requirements are — a common ...

It depends on how specific your requirements are — a common model in ready supply moves faster than a rare configuration. We’ll give you a realistic expected timeframe on your call and keep you updated throughout.

Still have questions? Contact our friendly team

Ready to Skip the Dealership Games?

Book a free 15-minute call to talk through what you're after, or email us any time.

We Find It. We Negotiate It. We Finance It.

Your lending friend is now your car buying friend too.

We Work For You
Flat Fees Confirmed Upfront
Australia-Wide

Getting a quote won't affect your credit score, and nothing is sent to a lender until you give the go-ahead.

Prefer to talk? Call us or send us a message.

Apply Now

No impact on your credit score