Car Loans & Finance in Melbourne
Looking for car finance in Melbourne? Whether you're in the CBD, Eastern Suburbs, or outer Melbourne, our experienced brokers can help you find the right finance from over 40 lenders - including options for bad credit, no deposit, and self-employed borrowers.
Serving all of Greater Melbourne with competitive rates and fast approvals
Melbourne Car Finance Made Simple
Getting car finance in Melbourne should be straightforward. At Your Lending Friend, we do the hard work of comparing car loans from banks, credit unions, and specialist lenders to find options that suit your situation - whether you are buying new or used, from a dealer or private seller.
Melbourne is a diverse city with diverse financial situations. We help everyone from first-home buyers in the outer suburbs to professionals in South Yarra, including those who have been knocked back by banks due to credit issues.
Why Choose Us for Melbourne Finance?
Local expertise backed by a nationwide lender panel
40+ Lenders
Compare options from major banks and specialist lenders
Bad Credit Welcome
Specialist options for Melbourne residents with credit issues
Fast Decisions
Same-day approvals available for Melbourne applications
All Melbourne Areas
From the CBD to outer suburbs, we cover all of Melbourne
No Credit Impact
Get a quote without affecting your credit score
Expert Brokers
Experienced team who understand the Melbourne market
Finance Services in Melbourne
Complete range of finance solutions for Melbourne residents
Car Loans
Finance for new and used vehicles across Melbourne. From dealers in the CBD to private sales in the suburbs.
Personal Loans
Flexible personal finance for Melbourne residents. Consolidate debt, renovate your home, or cover unexpected expenses.
Bad Credit Loans
Specialist lenders who help Melbourne residents with defaults, bankruptcy history, or low credit scores.
Business Finance
Commercial loans for Melbourne businesses. Equipment finance, working capital, and business vehicle loans.
Truck Finance
Finance for trucks and commercial vehicles. Ideal for Melbourne tradies, logistics companies, and transport operators.
Melbourne Areas We Service
We help customers across all of Greater Melbourne and regional Victoria
CBD & Inner City
Eastern Suburbs
Western Suburbs
Northern Suburbs
South Eastern Suburbs
Bayside
Plus all other Melbourne suburbs and regional Victoria including Geelong, Ballarat, Bendigo, and the Mornington Peninsula.
Bad Credit Car Loans in Melbourne
Been turned away by Melbourne banks? We work with specialist lenders who understand that good people sometimes face financial difficulties. If you have a steady income today, we can often find finance options regardless of your credit history.
Melbourne Car Loan FAQs
Common questions about car finance in Melbourne
Yes, we specialise in helping Melbourne residents with bad credit find car finance. Our panel includes specialist lenders who consider your current income and circumstances, not just your credit history. We have helped many Melburnians with defaults, bankruptcy, and low credit scores.
Many Melbourne applications receive a response within 24 hou...
Many Melbourne applications receive a response within 24 hours. For straightforward applications with good documentation, same-day approval is often possible. Settlement typically occurs within 2-5 business days after approval.
Yes, we service all of Greater Melbourne including the CBD, ...
Yes, we service all of Greater Melbourne including the CBD, Eastern Suburbs, Western Suburbs, Northern Suburbs, South Eastern Suburbs, and Bayside areas. We also help customers in regional Victoria.
Absolutely. We can arrange finance for purchases from dealer...
Absolutely. We can arrange finance for purchases from dealers anywhere in Melbourne, as well as private sales. For private sales, we may recommend a vehicle inspection for your protection.
Interest rates depend on your credit history, income, loan a...
Interest rates depend on your credit history, income, loan amount, and the vehicle. Our access to 40+ lenders means we can find competitive rates for most situations. Even bad credit applicants can access reasonable rates through our specialist lenders.
Not always. Some of our lenders offer no deposit car loans f...
Not always. Some of our lenders offer no deposit car loans for approved applicants. However, a deposit can help you secure better rates or increase your chances of approval, especially if you have credit issues.
Still have questions? Contact our friendly team