If you’re in the market comparing your options for that next car, it makes sense to be comparing your options for a car loan. Looking for the lowest interest rate loan isn’t always the right strategy.

At Stratton Finance, we have over 20 years of experience in helping our customers ensure they get the right finance solution for their needs.

But first, what exactly is a “Low Rate”?

Many people assume a low rate is zero, or 1%. However, those rates are artificially low. To best determine what is a low interest rate, you need to get a view on what is on offer in the market, and there’s no better way to do it than compare your car loan options.

Things to know about low interest rate loans

There is a catch with low interest rate car loans you need to know. Sometimes, these are offered by dealers with headlines as "Zero or 1% Finance Offers". They look compelling, but they can often be misleading - the devil is in the detail.

Don’t compare apples with oranges

Interest rates, particularly those that are not specifically defined as comparison rates can be manipulated to appear attractive, but be offset by ongoing fees. A comparison rate allows you to compare apples with apples.

Lowest rate isn’t everything

Searching purely for the lowest interest rate may mean you give up flexibility or service. Consider your circumstances, and think about how you’ll use your car, and when you intend of disposing it before you lock in the lowest possible rate.


To get started, use our helpful Loan Calculator or get an Online Quote in less than 60 seconds.


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