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Stratton Finance New Car Loan

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Get on the road in the car you want using a car loan through Stratton.

This car loan is offered through Stratton Finance, one of Australia's largest car finance brokers with over 25 years of experience. Stratton Finance is a part of the Carsales network, giving you access to a range of vehicles that meet your needs and lifestyle.

By using Stratton's services you'll be able to benefit from a car loan broker and the choice of a fixed or variable rate. Find out more about this loan in this review.


Application Fee

From 4.05% (fixed)

Interest Rate (p.a.)


Comparison Rate (p.a.)


Max Loan Amount

We’re committed to our readers and editorial independence. We don’t compare all products in the market and may receive compensation when we refer you to our partners, but this does not influence our opinions or reviews. Learn more about Finder.


Product NameStratton Finance New Car Loan
Interest Rate (p.a.)From 4.05% (fixed)
Comparison Rate (p.a.)5.63%
Interest Rate TypeFixed
Min Loan Amount$10,000
Max Loan Amount$250,000

Main points to consider with Stratton's car loan

Stratton is a finance broker that can secure you competitive finance for your car purchase. You can choose a fixed or variable rates with fixed rates starting from and a comparison rate is These depend heavily on your individual circumstances that your Stratton personal loan broker will discuss with you.

You can apply for up to 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

This loan offers the following features:

  • Low rate. There are rates from a low fixed rate and a comparison rate.
  • Dedicated consultant. Stratton will appoint a personal broker to help find the loan that suits your situation.
  • Choose between fixed or variable interest rates. You can choose between a fixed or variable interest rate. The fixed rate offers you the certainty of knowing how much your repayments will be each month, whereas a variable personal loan interest rate can fluctuate allowing you some financing flexibility. You also have the ability to redraw funds when necessary.
  • Flexible contract terms. This loan has terms that range from 3 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.

Fees and charges

  • Application Fee.
  • Service Fee. There is a monthly fee attached to this loan.

How to apply for the 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.

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 ensure this one meets your needs.

Car Loan Offers

Important Information*
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IMB New Car Loan

You'll receive a fixed rate of 4.99% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one up to two years old.

Logo for Beyond Bank Low Rate Car Loan "Special Offer"
Beyond Bank Low Rate Car Loan "Special Offer"

You'll receive a fixed rate of 4.89% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.

Logo for RACV New Car Loans
RACV New Car Loans

You'll receive a fixed rate from 4.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.

Logo for NRMA New Car Loan
NRMA New Car Loan

You'll receive a fixed rate of 4.99% p.a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.

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  1. Default Gravatar
    April 11, 2019

    I want to refinance the ballon payment on my car, love the car dont want to change but so many different ways. Secured, unsecured, personal loans any advice

    • Avatarfinder Customer Care
      April 13, 2019

      Hi Ian,

      Thank you for getting in touch with Finder.

      If you’re interested in getting refinancing from Stratton Finance, kindly contact them directly to discuss your options.

      You may also use this page as a guide or know your other options for refinancing your balloon payment or you can also get novated lease.

      I hope this helps.

      Thank you and have a wonderful day!


  2. Default Gravatar
    March 29, 2019

    I need the money to get a car to drive my new girlfriend around QLD country, ok?

    • Avatarfinder Customer Care
      March 30, 2019

      Hi Paul,

      Thank you for getting in touch with Finder.

      If you consider applying for a car loan with Stratton Finance, please visit their official page to start your online application. You may also call then directly to know your chances of getting an approved car loan. Please make sure that you’ve read the details eligibility criteria and relevant T&Cs or PDS of the loan products before making a decision and consider whether the product is right for you.

      I hope this helps.

      Thank you and have a wonderful day!


  3. Default Gravatar
    October 15, 2018

    Declared bankrupt after long illness after a car accident in 2012, now fully recovered.
    Discharged from bankruptcy on 16/4/2017.
    Recommenced work 12/2014.
    Major car loan lenders want me to pay a 1/3 deposit.
    Any easier options available?

    • Avatarfinder Customer Care
      October 16, 2018

      Hi Leslie,

      Thank you for leaving a question.

      I understand where you are coming from and we have a great article to get you back up and running. Please click on this link to be routed to our page regarding Loans for bankrupts or this page for Bad credit loans. These articles provide an extensive advise on where you could take out a loan as well as what type of loans are available for you. Hope this helps!


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