Car finance for personal use
If you're intending to use your car primarily for personal uses such as running to the shops or dropping the kids to school, we've got plenty of car finance options from an unmatched panel of lenders to help you.
To get started, use our helpful car loan calculator or get a quote today. We can also help you find the right car insurance solution to protect your new family asset, as well as help you find a great new car deal from our new car buying partner Carconnect.
If you're buying or financing a car for the first time, or want a refresher on the key things to consider before you make that commitment, we've put together a car finance 101 guide to help you get started. You can also compare our car loan rates against the big 4 to give you peace of mind that great rates are just the start when you're with us.
Your finance options
Vehicle finance for business use
If you're buying a vehicle for business purposes, we can help get you on the road in no time. We'll consider every part of the package - taking into account your cash-flow requirements, business structure and individual tax considerations*.
To get started, use our helpful vehicle loan calculator or get a quote today. We can also help you find the right car insurance solution to protect your new asset, as well as help you find a great deal on a brand new vehicle.
If you're buying or financing a vehicle for the first time, or want a refresher on the key things to consider before you make that commitment, we've put together a car finance 101 guide to help you get started.
* Please refer to your accountant for tax advice.
Your finance options
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 no 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.Our process
We make getting finance simple.
Common questions about car finance
What is a car loan?
A car loan (which can be referred to as a secured car loan if security is sought by the lender) involves a finance company lending you the money to purchase an asset and retaining security over it for the life of the loan. Car loans can be arranged for both personal use (such as a consumer car loan) or business (such as a chattel mortgage).
What are the benefits of a car loan?
By taking out a car loan to finance your next car you can reduce your overall cash outlay which you may want to use for other purposes (such as taking a holiday!). If you’re a business, a car loan may improve your cash flow, as well as potentially allowing you to claim a tax deduction for the car (check with your accountant for eligibility).
What tax and GST can I expect to pay on a secured loan?
There may be tax benefits if you are financing a car for business purposes. Please visit the ATO website, or speak to your accountant to understand potential tax deductions for your specific purposes. If you are considering a novated lease, you can use our novated lease calculator to get an estimate of the potential savings available.
Who should choose a secured car loan?
A secured car loan is a relevant option for an individual or business looking to access lower interest rates and has sufficient serviceability. For an employee of a business looking to salary package benefits of their employment, a novated lease may be more appropriate.
Looking for more information?
We've made it easy for you to find everything you need here.
EXCEPTIONAL, as good as Customer Service gets
I’ll keep this simple, if you want the BEST advice, the BEST service and the BEST product for your c...
Can't Recommend Highly Enough!!
Have purchased two vehicles through Stratton Finance and each time the service has been fantastic. S...
Stratton Finance A++
I've purchased 3 vehicles using Stratton and every time it has been hassle free. Not hidden nasties ...
Meet our network partners
With over 22 years experience, we have built an unmatched panel of finance and insurance partners which gives you access to products for your needs.
Ready to get started?
Get an instant quote or apply now online.
