Low Doc Car Loans
Journey Finance helps self employed Australians secure car finance with minimal paperwork. We work with lenders who understand variable income and offer practical approval pathways, clear terms and simple loan options that make getting a new vehicle straightforward.
Car finance designed for self employed Australians
If you work for yourself, keep irregular records or manage your income without traditional payslips, a low document car loan gives you a simple way to secure the vehicle you need. Instead of requesting full financial statements, lenders assess your current income, business activity and financial position in a practical and flexible way. This makes it easier to get approved without the stress of unnecessary paperwork or delays.
● Access to over 30 lenders
Get matched in minutes
Real People,Real Results
It takes only a few minutes to apply. There are no complicated forms and no pressure.
Jason Atkins
06:39 03 Mar 26
Chris helped me out when no one else could he kept looking for a solution until I got an approval. I would highly recommend him, easy to understand and communicate with. I will definitely use him again. 👍👍👍
Sohayb Elhaddad
05:50 06 Feb 26
Matthew and Cameron were amazing. After I got rejected by my bank, they handled everything quickly and professionally. The whole process was fast and smooth, and I ended up getting my new car without stress. Super helpful from start to finish — highly recommend.
Christy Tamini
05:49 05 Feb 26
Highly recommended! Regan has been absolutely amazing on helping me secure a loan for my new car, right when I needed it most. He was professional, friendly & communicated with me every step of the way.
My situation was not straightforward, however he went above & beyond to find a solution, better than I thought possible. I'm able to purchase exactly what I wanted, at a competitive rate. Everything was processed swiftly, easily & stress free.
I would 100% recommend Journey Finance to anyone looking to get a better deal on their financial requirements. Thank you so much, Regan. I can't wait to drive my new car!
My situation was not straightforward, however he went above & beyond to find a solution, better than I thought possible. I'm able to purchase exactly what I wanted, at a competitive rate. Everything was processed swiftly, easily & stress free.
I would 100% recommend Journey Finance to anyone looking to get a better deal on their financial requirements. Thank you so much, Regan. I can't wait to drive my new car!
Maddison
05:15 29 Jan 26
Cameron was incredible to work with and made a process that would normally be so stressful feel completely stress-free. He was friendly, understanding, and always took the time to explain everything clearly. The whole experience was seamless from start to finish, and I genuinely couldn’t recommend him enough - thank you Cameron and can’t wait to drive our new car home 😊
LACHLAN TRIBE
06:07 16 Dec 25
Matthew was absolutely outstanding to deal with. He went above and beyond to secure the best possible finance outcome tailored specifically to our business needs and never once gave up, even when things became complex. His communication was fast, clear and reassuring throughout the entire process, which gave us real peace of mind during what can be a stressful time. Matthew provided honest, fair advice and made sure we fully understood every option before moving forward. I genuinely felt he had our best interests at heart. We will absolutely be using Journey Finance for all of our future business and asset finance needs and wouldn’t hesitate to recommend him to anyone looking for reliable, professional service.
Eru Hotere
09:36 28 Feb 22
Journey Finance - Mathew Schofield made getting financial assistance simple, easy, and pleasurable experience and i will highly recommend.
During stressful times of broken down vehicle's Mathew helped make this transaction simply and easy and kept me up-to-date throughout the whole process.
Thank you Mathew and all of the team at Journey Finance.
During stressful times of broken down vehicle's Mathew helped make this transaction simply and easy and kept me up-to-date throughout the whole process.
Thank you Mathew and all of the team at Journey Finance.
Genevieve Ireland
22:49 02 Feb 22
Matthew made this the best loan experience ever , his communication was outstanding and looked after us so well . We will be using him and journey finance for all our loan needs.
Seriously incredible
Seriously incredible
Sally Egan
08:38 02 Feb 22
The lovely man Amen from journey he went above and beyond to make sure we got the best loan
He help us in every way and we got the best loan and even with the time difference from Melbourne and Perth some conversations where out of his business work hrs and he did not mind at all if any of my friend need a loan I will be recommending Amen
Thank you for all ur hard work
He help us in every way and we got the best loan and even with the time difference from Melbourne and Perth some conversations where out of his business work hrs and he did not mind at all if any of my friend need a loan I will be recommending Amen
Thank you for all ur hard work
Brooke Filewood
05:16 01 Feb 22
The whole team at journey finance were so helpful throughout the whole process. They went above and beyond to help me get approved for my new car. Would highly reccomend
Alain Montoya
12:05 27 Jan 22
Aman helped me out with my car financing and personal loan for home improvement and on both occasions he delivered exceptionally! He was very proactive and such a great communicator, as well as great at building relationships with his clients. I would highly recommend Aman's services and will continue to seek him out again in the future.
Kieran Libbis
05:40 20 Jan 22
Really amazing service from Aman and the team. Gave us a great deal and assistance throughout the process. Highly recommend!
George George
09:27 17 Jan 22
Journey is a great company, Matthew is a great guy. He will go out of his way to help and got us approval within hours. Absolutely fantastic. I recommend Matthew and journey to anyone in the market for a car. Do not buy a car unless you speak to Matthew from Journey!!
Andrew Gardiner
06:34 13 Dec 21
Outstanding service from Mathew Schofield who produced the impossible task to most & turned it into reality for us.
I cannot recommend this company enough for their professional approach, support & understanding of your individual requirements. Thank you Journey Finance
I cannot recommend this company enough for their professional approach, support & understanding of your individual requirements. Thank you Journey Finance
Jeffrey Arbuckle
22:48 29 Oct 21
Matthew was on the ball from the get go, what a pleasurable experience. Constantly updated me on the progress of my application, and got the deal done and dusted in a matter of days. Matthew managed to take it further by going back to the lender and negotiated a better rate on top of a already good rate. Thank you to Matthew and the team you guys Rock
Donnella Clarke
19:21 27 Oct 21
My experience with Journey Finance has been amazing.
High level of response, communication ,Respect ,integrity, compassion, reliable empathetic ,the ability to solution solve is incredible my officer (Matthew) never stopped looking until he was satisfied he found the best possible outcome for me. I greatly appreciate your professionalism.
High level of response, communication ,Respect ,integrity, compassion, reliable empathetic ,the ability to solution solve is incredible my officer (Matthew) never stopped looking until he was satisfied he found the best possible outcome for me. I greatly appreciate your professionalism.
Alex Duffy
19:40 11 Oct 21
The best customer service I have ever experienced.
Michael went above and beyond to get my application approved. He was constantly in touch with each step of the process and was extremely efficient.
I can not recommend or speak more highly of journey finance/Michael, will be recommending to everyone that is looking at finance.
Thanks again mate!
Michael went above and beyond to get my application approved. He was constantly in touch with each step of the process and was extremely efficient.
I can not recommend or speak more highly of journey finance/Michael, will be recommending to everyone that is looking at finance.
Thanks again mate!
June T
08:39 31 Aug 21
Outstanding service...right from the very start easy to understand and fill out questionnaire..competitive rates.....friendly, knowledgeable staff to answer all my many questions...always kept me informed on the status of the application right through to approval and delivery of vehicle...thank you so much ..I know if there are any more questions I can count on you to answer them...
Grateful and happy
June
Grateful and happy
June
Jasmine Wrench
00:24 17 Aug 21
Adam Broad from Journey Finance was a key factor in myself getting approved for finance and purchasing my new vehicle. Adam worked relentlessly for weeks to ensure I was getting the best rate possible and took all the guess work out of the process for me. His advice and level of attention was absolutely invaluable and I can not thank him enough for his help and his work ethic. Thank-you, Adam! You are truly a star!
● Benefits
Getting the right finance starts with the right people
Get matched in minutes
Our systems instantly compare lenders to bring you the best results fast, so you can move forward sooner.
Over 30+ lenders
We work with a wide range of major banks and private lenders so you never feel limited to one option.
Experienced brokers
Our finance specialists know which lenders are most likely to approve your application and how to position it for success.
Personalised quotes
Every loan is matched to your goals, lifestyle and budget. We do not believe in one size fits all.
Fast approvals
Get approved within one or two days with our streamlined digital process.
Low doc options
Running a business or self employed? We make finance easy with simple low documentation loans that still deliver great rates.
● Benefits
Getting the right finance starts with the right people
Get matched in minutes
Our systems instantly compare lenders to bring you the best results fast, so you can move forward sooner.
Over 30+ lenders
We work with a wide range of major banks and private lenders so you never feel limited to one option.
Experienced brokers
Our finance specialists know which lenders are most likely to approve your application and how to position it for success.
Personalised quotes
Every loan is matched to your goals, lifestyle and budget. We do not believe in one size fits all.
Fast approvals
Get approved within one or two days with our streamlined digital process.
Low doc options
Running a business or self employed? We make finance easy with simple low documentation loans that still deliver great rates.
● Low Doc finance
Support for new and established business owners
Low document car finance is designed for people who earn their income outside the usual employment structure. This includes contractors, sole traders, tradespeople, gig workers, ride share drivers and business owners who do not always have access to traditional paperwork. Instead of relying on full financial statements, lenders look at practical indicators such as recent income activity, business stability and your ability to manage regular repayments. This allows your application to be assessed fairly, even if your income changes from month to month.
Repayment simulator
Preview your loan in real time
No credit check. No impact on your score.
Loan amount
$50,000
Interest rate per year
6.0%
Loan term
5 years
Estimated repayments
From $0.00 per week
These figures are a guide only and do not constitute an offer, approval or quote.
Actual repayments will vary once your full application is assessed.
● Process
Finance, made easy!
01
Get a quote
We’ll give you a quick quote so you know where you stand.
02
Find the best rate
We compare more than forty lenders to find the deal that fits you best.
03
Approval
Our team reviews your application and works to get it approved as quickly as possible.
04
Funded fast
Once approved and signed, the money is sent to you or your seller within one day.
