No. The calculator works entirely from self-reported information and does not involve a credit check. It provides an estimate only and does not affect your credit file in any way.
What is a Borrowing Power Calculator?
A borrowing power calculator helps estimate how much you may be eligible to borrow based on your financial details. Whether you're considering a car loan, personal loan, or other credit options, it gives you an idea of your potential loan amount before you apply.
By entering your income, expenses, number of dependents, and loan purpose, you'll get an instant estimate of how much you could borrow.
Understanding your borrowing capacity early helps set realistic expectations, focus on suitable lenders, and avoid overextending your budget. It's a smart first step in making an informed financial choice.
Use our eligibility calculator to see what you can borrow, then compare real-time loan quotes that match your needs.
Thank you! We’ve received your request.
We are reviewing your information and will get back to you shortly with an estimate of your borrowing power.
In the meantime, feel free to explore our resources or contact us for any questions.
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Frequently Asked Questions About Loan Borrowing Power
Borrowing power refers to the amount a lender may be willing to lend you, based on your financial situation. It reflects how much you can realistically afford to repay without financial strain and helps ensure responsible lending in line with regulatory guidelines.
Lenders consider your gross income, regular living expenses, existing debts (including loans, credit cards, and buy-now-pay-later accounts), number of dependents, and loan term. They may also factor in your credit score and interest rate assumptions.
Yes. You can increase your borrowing capacity by reducing existing debt obligations, minimising discretionary expenses, increasing your income, or improving your credit score. Consolidating debts and closing unused credit lines can also improve your financial profile.
Why Choose Stratton Finance?
Award-Winning Brokers
Best Car Loans 2021–2025 (ProductReview) and Best Large-Size Brokerage 2023–2024 & Best Car Loans 2025 (WeMoney).
We Have Unmatched Experience
With over ${stratton-yrs-in-business} years of experience helping more than ${total-customers-serviced} people access ${total-finance-serviced} in finance, we have the knowledge you need.
Real People Delivering Exceptional Service
With a ${product-review-rating} out of 5 customer rating, we are focused on providing outstanding service to keep you informed at every step, ensuring the best outcome for you.
Don’t take our word for it!
Our reputation precedes us. See why our customers rate us so highly!
Our Process: Simple and Transparent Finance
From start to finish, we’re with you every step of the way, helping you get the keys, or funds, in your hands!
How it all works
Understanding Your Needs
We don’t treat you like just another number. Our brokers take the time to understand your specific needs to find the best finance options from our panel of over ${total-lenders} lenders.
Apply for the Right Deal
Once you are happy with an option that fits for you, your broker will take you through the application. Approvals can occur within 24 to 48 hours.
Get the Keys or Funds in Your Hands
If approved, we guide you through the settlement process to finalise the paperwork and payment. Once everything is settled, you’re ready to pick up your new vehicle or the funds you need to help you towards your new adventure.
Providing Ongoing Support
Stratton Finance supports you throughout the life of your loan, ensuring you always have the assistance you need.