Your credit score plays a key role in determining your borrowing power, as a higher score may improve your chances of approval and help you access larger loan amounts or better interest rates. In comparison, a lower score can reduce your borrowing capacity.
What is a car loan borrowing power calculator?
A car loan borrowing power calculator helps you estimate how much you may be able to borrow based on your income, expenses, and financial commitments. By entering your earnings, ongoing expenses, and any existing debts, you’ll receive an estimate of the loan amount you could qualify for.
This tool is a helpful first step before applying for car finance, giving you a clearer understanding of your budget and setting realistic expectations when looking for a vehicle. Calculating your borrowing power upfront can also reduce the risk of applying for loans that don’t match your financial situation.
Use this calculator to explore how much you could borrow and start planning your car purchase.
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Frequently Asked Questions
No, using a borrowing power calculator won’t impact your credit score. It’s a simple tool that gives you an estimate based on the information you enter, with no credit check involved.
You can increase your borrowing power by reducing your existing debts, cutting down on regular expenses, increasing your income, or improving your credit score. Even small financial changes can make a difference in how much you may be able to borrow.
Once you know your borrowing power, you can access our expert brokers who will help match you with the right loan (offered by 40+ lenders). Use our online quoting tool to compare rates and payments for car finance options from our lenders.
Why Choose Stratton Finance?
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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.
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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.