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A pre-approved loan is when your financier tells you how much they are prepared to lend you before you go shopping. Whether you’re looking for a car, a new boat or caravan or even a commercial loan for new products and equipment, having pre-approval can mean a stress-free buying and negotiating experience.

1. It encourages responsible buying

When choosing finance through the seller, it’s all too easy to opt for additional features that are outside your budget. But knowing exactly how much you can afford before you look at assets means you are less likely to overspend.

2. It gives you more buying power

If you have already secured the finance for your new product, you can walk into the shop / dealership with all the confidence of a cash buyer. You can do your research beforehand and know exactly what you want to buy, and if you choose to do so, you can buy it immediately.

3. You can negotiate a better deal

The seller has no control over your decision, and you can walk out the door at any moment. They will do all they can to avoid losing you as a customer, and as you have already secured your finance, the only thing they can do is offer you a better price or more value with some free extras.

4. You avoid dealership / seller finance

Dealership / seller finance is generally more expensive and sometimes comes with conditions that tie you to the place of sale. Get a pre-approved loan and not only could you save money on your repayments but you’ll have the freedom to service, maintain and use your new purchase however you like.

5. You don’t need to use the loan

Securing pre-approval on your loan doesn’t mean that you are obliged to use it. If you find better finance elsewhere, then you can opt for that. Simply use your pre-approved loan as a bargaining chip to help you secure a better deal or as a safety net to fall back on should you need it.

How to get pre-approved for a loan?

All you need to do is give us a call here at Stratton on 1300 787 288 and tell us a few details such as how much you’d like to borrow and what you’d like to buy. Then we’ll take some of your financial details and let you know which lenders can offer you pre-approval on your loan.

Don’t have time to get on the phone?

Then fill out our quote form to get an idea of how much you can borrow. We’ll get in contact to confirm your details and get full pre-approval.

So if you’re thinking about buying a new asset, be smart and get pre-approved for your loan first. It saves you time, hassle, and maybe even some cash!

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