What is car finance?

A car loan is a personal finance product where the financier lends the customer funds for the purchase of a vehicle, and secures the loan against that vehicle. A Car Loan is can also be known as a Consumer Loan or a Secured Car Loan.

What are the benefits of car finance?

Under a Car Loan the financier advances funds to the customer to purchase a car. The customer takes ownership of the vehicle at the time of purchase, and the financier takes an interest in the vehicle as security for the loan. Once the contract is completed, the financier lifts their interest in the vehicle, giving the customer clear title.

  • Flexible contract terms ranging from 12 to 120 months (one to ten years)
  • A balloon value can be applied to the contract enabling the monthly repayments to be tailored to a budget
  • Choice of fixed or variable interest rates
  • Deposit (either cash or trade-in) may be used
  • No early exit fees option available on all new personal car loans
  • A tax deduction is available when the vehicle is used for business purposes
  • The loan is secured against the vehicle, allowing lower interest rates

Estimate your repayments

If you are still researching or even daydreaming about your dream car, use our calculators can help calculate your repayments weekly, fortnightly or monthly. Personalise the amount borrowed, interest rate, term and residual value.

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Benefits of a loan via Stratton Finance

Anytime, Anywhere, Anyhow

We're online, all the time, and everywhere. From getting an online quote, to electronically signing documents, to digital settlement and funds transfer, you don't need to leave your couch!


Our lenders have a wide range of options that give you flexibility including 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.

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Meet our partners

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Thorn Group

Bank of Queensland



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