Frequently asked questions

How much can I borrow?

This all depends on how much you earn and spend – or the more technical term disposable income. The lender will look at your personal circumstances and assess your capacity to borrow, essentially, how much free money do you have left over to spend on a vehicle and still be able to live.

How long does it take?

We can have a pre-approval within 24 hours. You can drive away happy in 3 business days (pending car availability). The typical time is 7 business days.

What is a secured car loan?

A secured car loan is a loan that that encumbers the vehicle, that means the vehicle is held as security for that loan. The lender gives the money to you to purchase the vehicle with the condition that if you fail to repay the loan, the lender can take ownership of the vehicle to recoup any costs. This is a standard process when getting a car loan and how a personal loan differs to a car loan.

What is pre-approval?

A pre-approval is a conditional or non-conditional approval before you have chosen your vehicle. People will typically get their pre-approval when they are ready to secure a deal on their vehicle as this can help with the negotiation of the price you can get on your next vehicle.

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Darren Summerrell

22. October, 2023.

Rachael was great. She went above and beyond to help us. Being a one income household was a challenge to find a loan that suited our needs but she was able to. We will definitely use Rachael again in the future.

Daniel Buckfield

20. October, 2023.

Awesome to deal with. Others didn't really give a shot but they bent over backwards to help. I would highly recommend

Sian Holt

18. October, 2023.

Absolutely AAA+++ Highly recommended Rachael was so easy and efficient as well as very friendly and helpful throughout the entire process. She definitely went above and beyond to get the right loan for my needs.. Thank you, Rachael and Journey Finance.

James Klein

18. October, 2023.

Wonderful service! Jasmine was delightful to deal with and kept me up to date every step of the way! Would only recommend Journey Finance to my peers due to the ease and communication I experienced through the whole process! 10/10

jesse riley vlogs

16. October, 2023.

Great company to deal with, fast service, constant communication, easy finance & transfer of funds. A special thankyou to Bronwyn Mc Culloch for going in hard for me to get this loan. I would highly recommend both Journey Finance & Miss Bronwyn McCulloch for making this happen. So very much appreciated to both. Stuart Riley.

Priscilla Lillyman

16. October, 2023.

Rachel was very helpful in helping me to secure a loan. When I couldn't find any cars in my price range, Rachel was able to help me secure further finance. The experience was fantastic from start to finish.

ANS Industrial Solutions

16. October, 2023.

Only people who got my car finance done, very helpful and they did almost everything for me, cheers to journey finance deserves more than 5 stars.

Chris Rushton

16. October, 2023.

Rachael was awesome to deal with and the process of it was easy. Got me the car I wanted and was really happy with the team. Thanks.

leigh bakon

12. October, 2023.

I like to thank you so much for helping me get a car. You guys are amazing 👏

Samantha Hartley

3. October, 2023.

Thankyou so much to jasmine , she went above and beyond to get me the loan I needed it was so quick and easy I would highly recommend going with journey finance for all your finance needs.

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