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Stratton Finance car loans

As part of the Carsales network, Stratton Finance is a broker and can help you find secured car loans, personal loans (or unsecured car loans), caravan loans, boat loans and loans for commercial equipment. Founded in 1998, the broker connects Australians to a range of financial institutions, including large and smaller lenders.

Although Stratton Finance’s head office is in inner Melbourne, the broker has customers throughout Australia, with customer support offered over the phone, online and through the post.

The broker has car loans for personal and business customers.

Mark Bristow
Mark Bristow

Personal Finance Editor

Content updated

Product data updated

Why choose Stratton Finance


  • Secured and unsecured car loans available
  • Can apply online
  • Balloon payment available


  • Establishment fee charged
  • Monthly fee charged
  • Cannot apply in branch

Stratton Finance Car Loans

Car Loans calculator

Use our car loan calculator to see how much you’d have to repay under different borrowing scenarios.

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  1. This is an estimate of how much you would pay (weekly/fortnightly/monthly) based on your borrowing amount, interest rate and loan term.
  2. Calculations assume that details entered into calculator, including interest rates, do not change for the lifetime of the loan.
  3. Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.
  4. Months are assumed to be of equal length. However, given that some months are longer than others, interest charged by vary depending upon the month.
  5. The calculation rounds of the car loan repayment to the closest dollar value without decimals.
  • All calculations are estimates only; there are no guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
  • Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
  • Calculator does not include the cost of fees or other extra charges.
  • Calculator does not account for changes to interest rates over time.
  • This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Read our full disclaimer.

Features of a Stratton Finance car loan

Stratton Finance can help you find secured and unsecured car loans suitable for buyers looking for new and used vehicles. This broker may not suit borrowers who dislike a predominantly online customer service experience and prefer face-to-face customer service.

You can borrow from $5,000 up to the full value of the car you are buying and pay it off over a maximum loan term of seven years.

Stratton Finance charges a one-off establishment fee on its car loans, as well as a monthly fee. But you may be able to pay off your loan early without being penalised, depending on the lender you are connected with. Borrowers can choose to reduce their regular repayments by paying a one-off lump sum at the end of the loan. This is known as a ‘balloon payment’.

Stratton Finance car loans – customer service

Customers can contact Stratton Finance by phone, online enquiry, live chat, email or post. Its phone line is in operation from 8.30am to 5.30pm (AEST) on weekdays.

Who is eligible for a Stratton Finance car loan?

  • Must be over the age of 18
  • Must be a permanent resident of Australia
  • There may be other minimum requirements, depending on the lender

How to apply for a Stratton Finance car loan?

You can get an indicative quote from Stratton Finance and apply for a car loan with them through their website. Applications may be processed in as little as 24 hours.

  1. On the Stratton Finance website, select ‘Get a quote’.
  2. Select your loan amount, loan term, whether you want to buy a new or used vehicle for private or business use.
  3. Review your estimated quote and repayments.
  4. Submit an application.
  5. Speak with a Stratton Finance consultant.

Stratton Finance car loans review

Stratton Finance provides borrowers a range of car loans with different lenders. Customers can borrow upwards of $5,000, with a maximum term of seven years.

The broker may several fees, including an establishment fee and monthly fees. You may also be charged with other fees depending on the lender they find you.

Borrowers may find Stratton Finance appealing if they prefer to have a broker on their side for expert advice and to compare loan options. This may help a borrower save time and effort.

The interest rate you can get at Stratton Finance may vary and will depend on the lender and the customer’s financial situation. This means those with better credit histories may be eligible for a better interest rate, while borrowers with poorer credit histories may face a higher interest rate.

But its rates are relatively competitive on the market, especially if you have a strong application.

If you’re looking for the best car loan for you, it’s worthwhile to compare interest rates and features from several different lenders.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.