Navigating finance shouldn't feel like jumping through hoops, especially when you're already working full-time and need quick access to a vehicle or essential equipment.
At Motorlend, we’re always looking for ways to make finance easier, faster, and more accessible. That’s why we’re excited to share that two of our lender partners - Branded Financial and The Asset Financier - are approving eligible applicants using just one payslip.
Yes, only one. No bank statements, no employer letters, no unnecessary back-and-forth.
Traditionally, lenders would ask for:
But these newer policies recognise that full-time, permanent employees typically earn stable and predictable incomes. By reducing paperwork, these lenders are creating a faster and more client-friendly experience without compromising responsible lending.
This update is particularly helpful for:
Branded has been stepping up as a go-to lender for consumer car loans, offering fast and flexible finance for prime and near-prime applicants. Their one-payslip policy applies to full-time PAYG workers with:
They’re a great fit for car loans up to around $80,000, and their rates often beat traditional dealer finance. Approvals typically come through in 24 to 48 hours.
We also partner with a national lender who applies this simplified policy to both vehicle and equipment finance for PAYG employees and sole traders who draw a wage.
They’re ideal for:
They offer rates on par with the major banks, without all the usual admin.
One of our recent clients, a full-time plumber, needed a new ute urgently after his vehicle broke down. With only one payslip available, he assumed the process would be difficult.
Instead, we matched him with one of these flexible lenders. His loan was approved and settled within three business days. No paperwork dramas. Just a straightforward deal and a new vehicle on the road.
Finance should fit into your life, not slow it down. By working with lenders who understand modern employment, we help clients:
If you're a full-time employee and only have your most recent payslip available, there’s a good chance that’s all you need to move forward.
At Motorlend, we know which lenders offer flexible documentation and how to package your application to get it right the first time. If you’re ready for a smooth, no-fuss loan experience, get in touch with us today. Your next car or equipment purchase could be just one payslip away.
