cars, utes

Hansy Mannil Jul 10, 2023

You may not be aware that if you’re financing a car you can actually choose to refinance - either with the same lender or somewhere else.

There are many different reasons to refinance. Maybe you’ve found a better deal somewhere else, or you might just be looking to change your repayments to improve your cash flow. Whatever the case, it’s important to understand how you can put yourself in the best possible position to get a great deal for your circumstances. Here are a few pointers to help you on your way.


Do plenty of research on car financing deals

There are a lot of options out there when it comes to car financing, and you’ll find reasonable variation in terms of interest rates, features and t’s and c’s from lender to lender. For example, some lenders will offer the ability to pay extra off the loan while others may not. So get out there and do your homework. We suggest even putting all the data into an Excel doc for easy comparing later on.

And yes, you’ll need to comb through all the terms and conditions because that’s where you’ll find things like additional fees and charges, which of course come into play when determining which car financing deal is best.


Get a broker to take care of all the groundwork

As said in the previous section, there are a LOT of car financing deals out there. You can save yourself a lot of time and effort by speaking with a broker and leaving it to them to find the best vehicle financing deal that works for you. In case you needed a few more reasons to go with a broker, have a read through this article.

One broker that comes to mind is... well... us! Stratton Finance has more than 20 years’ experience helping connect customers with car finance to match their requirements. We have a wide-reaching network of lenders, so once you let us know what you’re after, we’ll get out there and work hard to ensure what we present to you is the ideal option.


Trade in and get a completely new car with a new finance agreement

If you’re thinking about refinancing, have you considered instead trading in your currently-financed car and getting into something brand-spanking new? That new model with its fully upgraded features and new car smell is closer than you think. It’s as easy as Quote. Approval. Settled. Simple!


"You can save yourself a lot of time and effort by speaking with a broker and leaving it to them to find the best vehicle financing deal that works for you."


Trading in now and upgrading to a new car can even mean lower monthly repayments with your new finance agreement. If you’re in the market for some new wheels, look no further than our new car buying partner carconnect. So, if refinancing is on your mind, call us on 1300 787 288 - we might just be able to get you into a newer, nicer car and help you reduce your monthly repayments.


Speak with our team today

We’re here to help you every step of the way, whichever way you decide to go. So give us a call on 1300 787 288 if you’d like to find out more about refinancing or trading in and getting a new car and finance agreement today.

Alternatively, you can send us an online message and one of the team will get back to you with a response quickly.


* This repayment estimate is provided by Stratton Finance Pty Ltd (Australian Credit Licence: 364340) (“Stratton”). Stratton is a finance broker. To comply with regulations, consideration must be given for credit score and loan to value ratio (LVR), the estimate has been calculated with a credit score of 650 and an LVR of 111%. The estimate above should be used for information purposes only and is not an offer of finance on particular terms. Credit fees, service fees and charges may apply. Credit to approved applicants only. A quote, details of all fees and charges may be obtained by contacting Stratton via or calling 1300 STRATTON (1300 787 288).


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