Personal Car Finance & Personal Car Loans
Individuals have a range of personal car
finance and personal car
loan options available to them, the choice of which
will depend on how often you use your vehicle for business, whether
your employer offers you salary packaging and the type of car you
want to buy.
Stratton Finance specialise in car finance for individuals - we
have the right solution for your needs.
Personal car finance options
Commercial Hire Purchase is a flexible finance
option that suits some individual borrowers who use their
vehicle for business purposes. More...
Novated Lease is a method of salary packaging a car, under
which an employee leases a car and their employer pays the lease
repayments from their pre-tax income. Depending on the type of car,
kilometres travelled annually, employee's salary and a range of
other factors, Novated Lease can be a tax-effective way to purchase
a car. More...
Fully Maintained Novated Lease is a method of salary packaging a
car and it's operating expenses, under which an employee leases a
car and their employer pays the lease repayments and operating
expenses from the employee's pre-tax income. Depending on the type
of car, kilometres travelled annually, employee's salary and a
range of other factors, a Fully Maintained Novated Lease can be a
tax-effective way to purchase and operate a vehicle. More...
Car Loan, or more specifically a secured Car Loan, is a type of
loan where the financier lends money for the purchase of a vehicle
and also takes security over the vehicle to protect the loan. More...
A Personal Loan is a type of unsecured car loan, whereby the
financier lends you money but doesn't take any security over the
vehicle. More...
Not sure which finance option is best for you?
Not sure which finance option is best for you? Use our "Which Finance Option Is Best For You?"
online assistant, or send us an online
finance enquiry and one of our Finance Consultants will contact
you shortly.
You may also be interested in getting an online finance quote, or instant finance approval.
If you are a company, partnership or sole trader and need
business car finance, please see Car
Finance for Businesses.