Stratton Finance New Car Loan

If you're looking for vehicle finance, finding the right loan from the right lender is important, but it can also be a challenge. There's not only a lot of different lenders to choose from but a lot of different loan types. From basic car loans and secured loans to chattel mortgages, novated leases or even a commercial hire purchase.

If you find yourself unsure of what type of loan you need, or even what you can afford, Stratton can help you source a lender, navigate the application process and see you right through until the forms are signed and the keys are in your hand.

Stratton Finance New Car Loan

Stratton Finance New Car Loan

From

6.52 % p.a.

fixed rate

From

6.95 % p.a.

comparison rate

• Rates from 6.52% p.a.
• Loan terms 1 to 7 years
• Fast approval

100% confidential application

Stratton Finance New Car Loan

Stratton offers a competitive interest rate loan up to $300,000 with flexible repayment options.

• Interest rate from: 6.52% p.a.
• Comparison rate: 6.95% p.a.
• Interest rate type: Fixed
• Application fee: $395
• Minimum loan amount: $10,000
• Maximum loan amount: $300,000

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Apply for a car loan from Stratton Finance

1 - 5 of 5

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Name	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
Promoted Stratton Finance New Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.52% to 18%	Comp. Rate (p.a.) 6.95% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $625.27	Go to siteView details Compare	You'll receive a fixed rate from 6.52% p.a. depending on the lender you are approved with. Apply for up to $300,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.	loading Fetching your data...
Stratton Finance Used Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.52% to 18%	Comp. Rate (p.a.) 6.95% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $625.27	Go to siteView details Compare	You'll receive a fixed rate loan from 6.52% p.a. with a comparison rate of 6.95% p.a. A used car loan of up to $300,000 with quick approval times and balloon payment options.	loading Fetching your data...
Stratton Finance Caravan Loan Fixed1 - 5 Years $10,000 - $200,000	Interest Rate (p.a.) 6.72% to 18%	Comp. Rate (p.a.) 7.23% to 18.5%	Application Fee $700	Monthly Fee $8.90	Monthly Repayment $645.41	Go to siteView details Compare	You'll receive a fixed rate from 6.72% p.a. based on your risk profile Borrow from $10,000 to $200,000 and use to finance a caravan, camper trailer or a motorhome. Get access to a range of lenders.	loading Fetching your data...
Stratton Finance Boat Loan Fixed1 - 5 Years $10,000 - $200,000	Interest Rate (p.a.) 6.73% to 18%	Comp. Rate (p.a.) 7.23% to 18.5%	Application Fee $700	Monthly Fee $8.90	Monthly Repayment $645.5	Go to siteView details Compare	You'll receive a fixed rate from 6.73% p.a. based on your risk profile Borrow between $10,000 and $200,000 with terms up to 5 years. Use to buy a boat, jet ski or a luxury yacht.	loading Fetching your data...
Stratton Finance Novated Lease Fixed1 - 5 Years $5,000 - $160,000	Interest Rate (p.a.) 7%	Comp. Rate (p.a.) 8.03%	Application Fee	Monthly Fee	Monthly Repayment $617.54	View details Compare	You'll receive a fixed rate of 7% p.a. Use your pre-tax income to lease a new or used car.	loading Fetching your data...

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Main points to consider with Stratton's car loan

Stratton is a finance broker that can secure you competitive finance for your car purchase. They offer fixed rates starting from 6.52% p.a. and the comparison rate is 6.95% p.a. These depend heavily on your individual circumstances that your Stratton personal loan broker will discuss with you.

You can apply for up to $300,000 with a loan term of up to 7 years. You are able to trade in a vehicle and use it as a deposit as well as having the option of using cash.

Stratton's car loan features and benefits

• Low rate. The fixed rates start from 6.52% p.a. and the comparison rate is 6.95% p.a.
• Freedom of choice. Stratton works with a range of car loan brands to offer a competitive range of products.
• Dedicated consultant. Stratton will appoint a personal broker to help find the loan that suits your situation.
• Fixed interest rates. The fixed rate offers you the certainty of knowing how much your repayments will be each month. You also have the ability to redraw funds when necessary.
• Flexible contract terms. This loan has terms that range from 1 to 7 years.
• Make a deposit. You are able to make a deposit of either cash or a vehicle that you can trade in to ease the cost of your repayments.
• Option of a balloon payment. This is an overall value that can be applied to your contract which enables you to tailor your repayments to a budget.
• Monthly repayments. Your repayments are made on a monthly schedule.
• Early repayment option. You may be able to pay off your loan early without penalty, depending on the lender that is used.
• Potential tax deduction. You may be able to get a deduction on your taxes using this vehicle for business purposes. Simply let Stratton Finance know that you intend to use the vehicle for business and they'll take you through the process.
• Business and personal car loan options. If you're looking to buy a car for personal use, to use for your business or to buy through salary packing, Stratton may have loan options for you.
• Knowledge and expertise. It has been operating for the past 15 years and so have extensive experience in vehicle finance.
• Full online quote and approval. You can easily and conveniently submit your application form online to see if you’ve been approved and then receive a quote.

Fees and charges

• Application Fee. $395
• Service Fee. No monthly fee.

Compare car loan options from Stratton Finance

While Stratton doesn’t offer loan products themselves, they work with a range of car lenders to give you access to the following types of loans:

Personal loan

This type of loan doesn’t require you to use your car as a guarantee, protecting the car in case you default on the loan. As these loans are riskier for lenders they generally come with higher rates. However, you’ll also find that you are less restricted in the way you can use your loan amount.

Car loan

Car loans are secured, meaning your car will be used as a guarantee and will be repossessed if you default on the loan. These loans generally come with lower rates and fees than unsecured loans.

Finance lease (car lease)

This is a commercial loan product whereby a financier purchases a vehicle and leases it out to a customer. The customer pays a fixed monthly lease rental and then pays a residual payment at the end of the lease to take ownership of the vehicle.

Commercial Hire Purchase (CHP)

This is similar to a finance lease except its where a business hires a car from a financier. After paying to lease the vehicle during the leased term the business has the option to purchase the vehicle at the end of the term.

Chattel mortgage

A chattel mortgage is another avenue a business can take to secure a vehicle. This avenue involves a business borrowing money from a financier to buy a vehicle, and the financier having a mortgage over the vehicle until the loan is repaid.

Novated lease (salary packaging)

This type of loan allows an employee to buy a vehicle which is paid for out of their pre-tax income by their employer. There are several tax benefits to this loan type, and its also an incentive that employers can offer to their employees.

Fully-maintained novated lease

This is another method of salary packaging where an employee leases a car and their employer uses the employee’s pre-tax income to cover the repayments and operating expenses.

How to apply for Stratton's car loan

Click on "Go to Site" and ensure you meet the following requirements:

• Be over the age of 18
• Be an Australian citizen or permanent resident
• Have held good credit history over the last five years
• Have not declared bankruptcy in the past seven years
• Indicate whether or not you are a property owner. This includes mortgaged properties. Although this is not a requirement per se, it will better determine your solvency to pay off the loan.

What information will you need to apply for the car loan?

If you’d like to apply with Stratton to help you find a car loan, or any other type of loan, you can submit an online enquiry directly through their website. Have the following details on hand:

• Vehicle information. The make, model, build year, condition of the vehicle and where you're buying the vehicle from.
• Finance details. How much you need to borrow and the terms you need.
• Financial and personal details. Your name and contact details, whether you own property and if you've had finance before.
• Employment details. Your income after-tax and your business' contact details.

What other products does Stratton Finance offer?

In addition to car finance, Stratton Finance give you access to a diverse range of lenders who offer products in the following areas:

Property finance

Stratton provides mortgage broking services to help you find a home loan, investment property loan, commercial mortgage and development funding.

Plant and equipment finance

You can also employ Stratton’s services to find financing for your industrial plant and equipment.

Boat finance

Stratton can help you find a lender to fund the purchase of a boat, yacht, jet ski or commercial fishing vessel.

Insurance products

You can also find an insurance provider to find cover for your car, home, loans, overseas travel and more.

During the approval process no further documentation will be necessary aside from your personal data which includes your asset and liabilities situation. Based on this small disclosure, Stratton Finance will determine your eligibility, and your final rate will be based on your risk profile.

Stratton Finance's 25 years of experience will help you find your ideal vehicle. However, be sure to compare other personal loans and financing products to ensure this one meets your needs.

Other loans available from Stratton Finance

Stratton Finance Boat Loan

Stratton Finance Caravan Loan