Car finance for personal use

If you're intending to use your car primarily for personal uses such as running to the shops or dropping the kids to school, we've got plenty of car finance options from an unmatched panel of lenders to help you.

To get started, use our helpful car loan calculator or get a quote today. We can also help you find the right car insurance solution to protect your new family asset, as well as help you find a great new car deal from our new car buying partner Carconnect.

If you're buying or financing a car for the first time, or want a refresher on the key things to consider before you make that commitment, we've put together a car finance 101 guide to help you get started. You can also compare our car loan rates against the big 4 to give you peace of mind that great rates are just the start when you're with us.

 

 

 

Vehicle finance for business use

If you're buying a vehicle for business purposes, we can help get you on the road in no time. We'll consider every part of the package - taking into account your cash-flow requirements, business structure and individual tax considerations*.

To get started, use our helpful vehicle loan calculator or get a quote today. We can also help you find the right car insurance solution to protect your new asset, as well as help you find a great deal on a brand new vehicle.

If you're buying or financing a vehicle for the first time, or want a refresher on the key things to consider before you make that commitment, we've put together a car finance 101 guide to help you get started. 

* Please refer to your accountant for tax advice.

 

 

Estimate your car finance repayments

Some of the benefits of car finance via Stratton Finance

Anytime, Anywhere, Anyhow

We're a real online business. Get an online quote, electronically sign documents and receive / send funds electronically; there's no need to leave that couch!

Financial Flexibility

Our lenders have a wide range of options that give you flexibility including no early termination fees, variable loan terms and the ability to add a residual.

Lifetime Support

Don't get left alone to figure out how much you owe, changing your details, or assessing your changeover options; we're here for you over the life of your loan.

Our process

We make getting finance simple.

We understand your needs
We find a deal that’s right for you
We give you ongoing support

Common questions about car finance

A car loan (which can be referred to as a secured car loan if security is sought by the lender) involves a finance company lending you the money to purchase an asset and retaining security over it for the life of the loan. Car loans can be arranged for both personal use (such as a consumer car loan) or business (such as a chattel mortgage).

By taking out a car loan to finance your next car you can reduce your overall cash outlay which you may want to use for other purposes (such as taking a holiday!). If you’re a business, a car loan may improve your cash flow, as well as potentially allowing you to claim a tax deduction for the car (check with your accountant for eligibility). 

There may be tax benefits if you are financing a car for business purposes. Please visit the ATO website, or speak to your accountant to understand potential tax deductions for your specific purposes. If you are considering a novated lease, you can use our novated lease calculator to get an estimate of the potential savings available.

A secured car loan is a relevant option for an individual or business looking to access lower interest rates and has sufficient serviceability. For an employee of a business looking to salary package benefits of their employment, a novated lease may be more appropriate.

Looking for more information?

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Meet our network partners

With over 22 years experience, we have built an unmatched panel of finance and insurance partners which gives you access to products for your needs.

Pepper Money

Macquarie

RateSetter

AMMF

Liberty

Westpac

ANZ

Latitude

Redbook

Thorn Group

Bank of Queensland

Carsales

Metro

Get Capital

Axsess Today

Carconnect

Finance1

Capital Finance

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