Stratton Finance Car Loan

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.

Product NameStratton Finance New Car Loan
Interest Rate (p.a.)From 5.34% (fixed)
Comparison Rate (p.a.)6.6%
Interest Rate TypeFixed
Min Loan Amount$7,500
Max. Loan Amount$150,000
Loan SecuritySecured


  • Competitive rates
  • Large maximum borrowing amount
  • Long loan terms


  • $459.20 application fee
  • $8.90 monthly fee

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 5.34% p.a. and a comparison rate is 6.6% 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 $150,000 with a loan term of up to 7 year(s). 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:

  • A low rate. There are fixed rate starts from a low 5.34% p.a. fixed rate and a 6.6% p.a. comparison rate.
  • 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 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 1 to 7 years. This is plenty of time to enjoy your car!
  • 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. $459.20
  • Service Fee. There is a $8.90 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 good credit history
  • 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 to roll down the windows and rev the engine on your dream car.

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.

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Car Loan Offers

Important Information*
Latitude New and Used Car Loan

You'll receive a fixed rate between 6.99% p.a. and 14.99% p.a. based on your risk profile
Apply for a loan from $5,000 to finance a new or used car. Flexible repayments and options to finance a classic car.

Beyond Bank Low Rate Car Loan "Special Offer"

You'll receive a fixed rate of 5.69% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.

RACV New Car Loans

You'll receive a fixed rate of 5.99% p.a.
A larger loan of $15,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees. Note: Product only available to residents of Victoria. - New Car Loan

You'll receive a fixed rate of 5.44% p.a.
Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment.

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2 Responses

  1. Default Gravatar
    GriffithsOctober 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?

    • finder Customer Care
      JohnOctober 16, 2018Staff

      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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