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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Tina Sparks

4. February, 2024.

I cannot recommend William Stack from Journey Finance enough! He made the whole process of getting a car loan so quick and easy with great communication every step of the way. He genuinely has your best interests at heart to get you the best deal possible. Was an absolute pleasure to deal with him! If you are hesitant about who to go with when choosing a car loan like I was, with so many options online, I would without doubt recommend William and Journey Finance!

Kristy Richardson

2. February, 2024.

Jasmine has been a pleasure. She handle my loan professionally, got me the car I needed in record time. Couldn’t have asked for a better company and person to handle my loan.

Alisha Sorensen

2. February, 2024.

Very friendly, quick and easy process. Extremely please with this services.

rob wilson

31. January, 2024.

Very efficient great to deal with thank you

Jenna Kaye

26. January, 2024.

Going through journey finance has been the best experience of my life! It was so easy, it was quick, and just everything about it was great! Thank you so much!!

Katie Daykin

25. January, 2024.

Rachael from Journey Finance is the real deal! She sorted out my car finance, No hassle, just straightforward and efficient. If you're looking for someone solid for your finance needs, Rachael's got it down. Highly recommend! 🚗👍

Udaya Wickramasinghe

22. January, 2024.

Journey Finance; easy to deal with, very easy process and fast approval. Cameron kept on top of things and made my life so easy. He is patient, very responsive and is a pleasure to work with.

Bonnie McCue

17. January, 2024.

Bronwyn at Journey Finance was very helpful. She made the process of getting a debt consolidation loan so easy when I was rejected by other banks. Will definitely recommend and use her in the future. Thank you Bronwyn.

Troy Williams

10. January, 2024.

My experience was excellent

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