Approval for a secured car loan generally takes 24 to 48 hours, though this can vary by lender and application specifics. Working with a Stratton Finance broker can help speed up the process.
About Secured Car Finance
At Stratton Finance, we specialise in connecting you with secured car finance solutions that use your vehicle as collateral. This may provide you with better financing terms, including lower interest rates, higher borrowing limits, and flexible repayment options, potentially reducing your overall repayment amount in the long term. Whether you're purchasing a new or used car, our Australian-based brokers are here to help you find a loan package that suits your financial needs.
Our brokers recognise that every customer has unique requirements, which is why we review our panel of over 40 lenders to provide you with a variety of finance options tailored to your budget and circumstances. With a secured car loan, lenders have the assurance of an asset backing the loan, which means you could benefit from lower interest rates and flexible repayment terms—potentially leading to lower repayment amounts compared to an unsecured loan.
Try our simple car loan calculator to estimate your finance repayments or use our quoting tool to explore a range of rates and repayment options from our panel of lenders.
When you choose Stratton for secured car finance, you’re partnering with experienced finance brokers who prioritise finding the right solution for you. Our team is dedicated to guiding you through each step of the secured finance process, ensuring a smooth journey from your first inquiry to driving off in your vehicle.
From the start, you’ll be paired with a dedicated broker—your single point of contact—who will work closely with you to understand your vehicle choice, financial situation, and long-term goals. With this detailed understanding, they will provide finance options that suit your specific needs and budget.
Beyond securing your car finance, we also offer comprehensive insurance solutions to protect your investment, giving you peace of mind for the road ahead.
Get started with Stratton's secured car finance today and enjoy a seamless, personalised process that puts you in the driver’s seat with confidence.
Am I Eligible?
Eligibility for secured car finance depends on your circumstances and each lender's requirements. Partnering with Stratton gives you access to a diverse panel of lenders with flexible terms. Your dedicated broker will assist you in securing the best rates and repayment options. Factors assessed during the process include:
● Your property status – Do you own or rent your property?
● Your employment status – Whether you are an employee or run your own business
● How long you have been in your job or held your ABN
● Your credit history: We perform these checks on your behalf
● Your residency status
● Your previous finance history
● Your assets, liabilities, expenses and savings
Benefits of Secured Car Finance with Stratton
Anytime, Anywhere, Anyhow
Whether you prefer to speak with one of our dedicated local team members or apply online, Stratton Finance gives you the flexibility to choose how you navigate your car finance application process.
Financial Flexibility
Our lenders offer a wide range of flexible options, including no early termination fees, variable loan terms, and the ability to add a residual/ balloon payment.
Lifetime Support
We’re here for you throughout the life of your loan. Whether you need help figuring out how much you owe, changing your details, or assessing your changeover options, Stratton Finance is by your side.
Why Choose Stratton For Car Finance?
Award-Winning Brokers
Best Car Loans by ProductReview 2021–2024 and Best Large-Size Brokerage by WeMoney 2023 & 2024!
We Have Unmatched Experience
With over 25 years of experience helping more than 150,000 people access $8 billion in finance, we have the knowledge you need.
Real People Delivering Exceptional Service
With a 4.8 out of 5 customer rating, we are focused on providing outstanding service to keep you informed at every step, ensuring the best outcome for you.
Vehicle Finance Options
We can assist with finance for a variety of vehicles
Don’t take our word for it!
Our reputation precedes us. See why our customers rate us so highly!
Award-Winning Leaders in Asset Finance
Our success is driven by a strong commitment to exceptional service and customer satisfaction.
Our Lenders
We have done the hard work building relationships with lenders so you get the best rates! Some of the lenders on our curated panel include:
Our Process: Simple and Transparent Car Finance
From start to finish, we’re with you every step of the way, helping you get the keys in your hands!
How it all works
Understanding Your Needs
We don’t treat you like just another number. Our brokers take the time to understand your specific needs to find the best car finance options from our panel of over 40 lenders.
Apply for the Right Deal
Once you are happy with an option that fits for you, your broker will take you through the application. Approvals can occur within 24 to 48 hours.
Get the Keys or Funds in Your Hands
If approved, we guide you through the settlement process to finalise the paperwork and payment. Once everything is settled, you’re ready to pick up your new car and hit the road with confidence.
Providing Ongoing Support
Stratton Finance supports you throughout the life of your loan, ensuring you always have the assistance you need.
Frequently Asked Questions About Secured Car Finance
The amount of car finance you can borrow depends on several factors, including your income, credit history, existing debts, and the vehicle’s value. Lenders assess your repayment ability by reviewing your finances and setting limits based on a percentage of the car’s value. Use our serviceability calculator to estimate borrowing potential or visit our quote tool for a range of rates and repayments. To speak with an Australian-based broker, request a callback or call 1300 787 288.
If you can’t repay your secured car loan, the lender has the right to repossess the vehicle to recover the outstanding balance. It's important to communicate with your lender if you're facing financial difficulties, as they may offer alternative solutions to help you avoid repossession.
Yes, you can refinance your secured car loan to take advantage of lower interest rates or better terms. This process involves obtaining a new loan to pay off the existing one, potentially leading to lower monthly payments or a shorter loan term. However, it's crucial to consider any associated fees and ensure that refinancing aligns with your financial goals.