Personal Car Finance & Personal Car Loans

stratton specialise in car finance for individuals, we have the right solution for your needs

Individuals have a range of personal car finance and personal car loan options available to them, the choice of which will depend on how often you use your vehicle for business, whether your employer offers you salary packaging and the type of car you want to buy.

Personal car finance options

Commercial Hire Purchase (CHP)

Commercial Hire Purchase is a flexible finance option that suits some individual borrowers who use their vehicle for business purposes.
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Novated Lease (Salary Packaging)

Novated Lease is a method of salary packaging a car, under which an employee leases a car and their employer pays the lease repayments from their pre-tax income. Depending on the type of car, kilometres travelled annually, employee's salary and a range of other factors, Novated Lease can be a tax-effective way to purchase a car.
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Fully Maintained Novated Lease

Fully Maintained Novated Lease is a method of salary packaging a car and it's operating expenses, under which an employee leases a car and their employer pays the lease repayments and operating expenses from the employee's pre-tax income. Depending on the type of car, kilometres travelled annually, employee's salary and a range of other factors, a Fully Maintained Novated Lease can be a tax-effective way to purchase and operate a vehicle.
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Car Loan

Car Loan, or more specifically a secured Car Loan, is a type of loan where the financier lends money for the purchase of a vehicle and also takes security over the vehicle to protect the loan.
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Personal Loan

A Personal Loan is a type of unsecured car loan, whereby the financier lends you money but doesn't take any security over the vehicle.
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Not sure which finance option is best for you?

Not sure which finance option is best for you? Use our "Which Finance Option Is Best For You?" online assistant, or send us an online finance enquiry and one of our Finance Consultants will contact you shortly. You may also be interested in getting an online finance quote, or instant finance approval.

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