What Car Loan options are available?
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.
Some of the benefits of car finance via Stratton Finance
Anytime, Anywhere, AnyhowWe'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 FlexibilityOur 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 SupportDon'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
What is a car loan and how does it work?
A 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.
What are the benefits of a car loan?
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).
What tax and GST can I expect to pay on a secured loan?
Please visit the ATO website or speak to your accountant to find out about claiming vehicle-related tax deductions.
Who should choose a car loan?
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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