Stratton Finance

• Car loans up to $100,000
• Low-interest starting from 5.5%
• Repayment up to 84 months

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Stratton Finance - They will find the perfect loan for you

Whilst they do not offer online loan products themselves, they do work with a range of car lender that will give you access to the following types of loans:

• Personal loan – This loan does not demand you to use your car as a guarantee, in other words, it protects the car in case of any non-payment. Since these personal loans are riskier for lender they commonly come with higher rates. However, you also find that you are less restricted in the way you can use your loan funds.
• Car loan – This loan means that your car will be used as a guarantee and in the case of that you default on the loan the vehicle will be repossessed meaning this is a secured Car Loan. This sort of loan normally comes with lower rates and fees than that of an unsecured loan.
• Finance lease (car lease) - This is a commercial loan product whereby the investor purchases a vehicle and then leases it out to the purchaser. The purchaser pays a fixed monthly lease rental then pays a residual sum at the end of the lease to take possession of the vehicle.
• Commercial Hire Purchase (CHP) -This is parallel to a finance lease apart from its where a business hires a car from an investor. Subsequently paying to lease the vehicle for the duration of the leased term the business has the choice to purchase the vehicle at the end of the term.
• Chattel mortgage - A chattel mortgage is another option a business can take to secure a vehicle. This avenue allows a business to borrow money from an investor to buy a vehicle, and the investor having a mortgage over the vehicle until the loan is settled.
• Novated lease (salary packaging) - This type of loan permits a member of staff to purchase a vehicle which is paid for out of their pre-tax income by their company. There are a number of tax benefits to this loan type, and it’s also an incentive that companies can offer to their employees.
• Fully-maintained novated lease - This is another way of salary packaging where a member of staff leases a car and their employer uses the member of staff’s pre-tax income to cover the repayments and operating expenses.

Features and benefits of Stratton

They work with a variety of car loan brands to offer a competitive range of products.

• Business and personal car loan options – Should you be thinking of purchasing a vehicle for your personal use or to use for your business or perhaps to purchase through salary packing, they have business loan options for you.
• Flexible loan terms – when it comes to your loan you have choices on the terms. You could choose between one and ten years, depending on your eligibility and the loan type you select.
• Knowledge and expertise- They have been operating for the past 15 years, so they have extensive experience in vehicle finance.
• Full online quote and approval- Submit your application form online to see if you have been approved and then receive a quote. It’s easy and convenient with no hassle at all.

You should always compare a range of personal and car loans and related products before applying for any financial product, to find the best deal for your current circumstances.