What Car Loan options are available?

Before you decide on a Car Loan, it’s important to consider the intended use of your next car - Personal Use or Business Use. This will help determine the right car finance solution for your needs.

We have over 20 years experience and knowledge in helping our customers find the right car loan for their situation.

If you'd like to Compare Car Loans to the Big 4 Banks, we've made it easy for you to see why you're better off being with Stratton Finance.

To get started, use our helpful Loan Calculator or get an Online Quote in less than 60 seconds with no impact to your credit score.

Car Loans for Personal Use

If you’re primarily running the kids around from sports practice or heading to the shops in your car, your likely looking for a Car Loan that is appropriate for personal use. Options include a Secured Car Loan or Personal Loan may be the best option.

Car Loans for Business Use

On the other hand, if you’re going to be using the car for business purposes, a Chattel MortgageCar Lease or Commercial Hire Purchase may be the right Car Loan option. It’s important to get your accountants advice on the suitability for your situation.

Car Loan Calculator

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 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.

Common questions about your secured loan

car loan (also referred to as a secured car loan) involves a finance company lending you the money to purchase a vehicle for personal use. The loan is secured against the vehicle and, when the final repayment has been made, you will own the vehicle outright.

Benefits and product features of most car finance solutions include flexible loan repayment periods, the ability to set a balloon or residual which will reduce your monthly repayments and lower interest rates versus a personal loan thanks to the loan being secured against the vehicle itself. As a business, a car finance solutions may help you improve cash flow to your business, as well as the potential to claim tax deductions if the car is being used for business purposes (check with your accountant for eligibility).

Please visit the ATO website or speak to your accountant to find out about claiming vehicle-related tax deductions.

A car loan is a good option for someone who uses their vehicle mainly for personal purposes, but who does not have the option of salary packaging a car through a novated lease.

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