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12 questions from our users

Ray H.

Ray H.asked

Car & Ute Loans

Would you finance a couple on centerlink/superanuation benifits only, to purchase a used car that's 6 years old.??

2 answers
Stratton Finance
Customer Loyalty ManagerStratton Finance

Hi Ray, great question.
We should be able to assist you, it will depend on your serviceability, and whether lender deems you can afford the loan or not. We would love to assist you further with this inquiry, I can organise on of our finance consultants to get in touch and run through some options with you.
You can send me your contact details at Tim.Chen@stratton.com.au
Thanks,
Tim Chen - Customer Service Manager

Dave41
Dave41

Yeah, they like screwing anyone over.


Gary K.

Gary K.asked

What do I need for a low doc loan as I'm self employed had my ABN for 17 years have a small mortgage, and a deposit looking at a motorcycle thanks

1 answer
Stratton Finance
Customer Loyalty ManagerStratton Finance

Hi Gary,

Sorry for the late reply, but excellent question. The Criteria for Low doc loans vary from lender to lender, and because we have quite a few lenders on our panel the answer can vary greatly.
I think the best course of action would be for you to speak with one of our finance consultants, as they will be able to walk you through the best options available, and provide you with a no obligation tailored quote.
If you would like to progress further you can either call us directly on 1300 787 288, or you can email me your contact details and I will organise a finance consultant to get in touch.

My email: Tim.Chen@stratton.com.au

I'm sorry i couldn't be of more assistance, but i hope that helps.

Thanks,
Tim Chen - Customer Service Manager


Lei

Leiasked

Hi there,
Just wondering if there is a need for deposit if getting a car loan? I am looking in getting a used car as my first car! Thank you.

2 answers
Stratton Finance
Customer Loyalty ManagerStratton Finance

Hi Lei,

Usually you don't need a deposit when purchasing a car. However, it can depend on your profile, and there are some instances where a deposit will greatly increase your chances of approval.
We would love to assist you with your search for a car! We have over 20 lenders on our panel, and are very competitive. It would be best if you spoke with one of our finance consultants in order to get a good idea of what we can offer you.

You can contact me directly on Tim.Chen@stratton.com.au

Thanks,

Tim Chen - Customer Loyalty Manager

Lei
Lei

Hi Tim,
Thank you so much! Yes, will be in touch soon. Thank you again!


Elsa A.

Elsa A.asked

Good day , i have a low credit score can i still be approved for a car loan?

1 answer
Stratton Finance
Customer Loyalty ManagerStratton Finance

Hi Elsa,
It would depend on your specific circumstances. However we would love to see if we could assist you.
Please feel free to contact me directly and i can organise a finance consultant to go over some options with you.
Thanks,
Tim Chen - Customer Loyalty Team Leader
Tim.chen@stratton.com.au


Alex T.

Alex T.asked

Is there any fees

1 answer
Stratton Finance
Customer Loyalty ManagerStratton Finance

HI Alex, sorry about the slow response.
Great question, there are fees involved. However the fees are wrapped up into the monthly repayments, and they are disclosed upfront so there won't be any nasty surprises. If you want to compare quotes, you just need to make sure the terms of the quote are the same (same balloon and term), and focus on the repayments. This is because the repayments are reflective of the rate you get, and it encapsulates any fees charged.
If you have any further enquiries im more than happy for you to contact me directly on my email. Tim.chen@stratton.com.au
Thanks,
Tim Chen - Customer Loyalty Team Leader


Michael B.

Michael B.asked

I have had a loan for a motorcycle to commute on for $10,000 pre approved by another broker and I do have a poor credit rating but have $0 debt the interest rate they have come back with is 26% this seems a bit high, is this my only option? I have been told by them not to apply with anyone else as this can affect my chances of obtaining a loan.

1 answer
Stratton Finance
Customer Loyalty ManagerStratton Finance

Hi Michael. Really sorry about the late reply. 26% is on the higher side, but it could be justified depending on the circumstances around your credit rating. As for not applying with anyone else because it will affect your credit rating. It is true that having multiple applications over a short period of time can affect your chances, however it sounds a bit like a scare tactic to me. We can definitely give you a quote to see if we can get a better deal for you, and no application will be made against your credit file unless you're happy and wish to proceed!
Is this something you're still in the market for?
Please feel free to contact me on my direct email Tim.chen@stratton.com.au and i will endeavor to assist you further.
Thanks,
Tim Chen - Customer loyalty team leader


Chrissy

Chrissyasked

Straight up, what is the interest rate on loan taken as part of a novated lease?

2 answers
Jimmy J
Jimmy J

7 percent

Chrissy
Chrissy

Thanks for that - seems many novated lease companies are a bit cagey about this important piece of information.

I expect that would vary depending on credit scores, etc.


Julie

Julieasked

Do you loan to Self Employed?

1 answer
Stratton Finance
Customer Loyalty ManagerStratton Finance

Hi Julie, yes we can do a loan for you if you are self employed. Feel free to get in touch or if you email your details to social@stratton.com.au, we'll have a consultant contact you and assist with any questions you may have.
Tim Chen
Customer Loyalty Team Leader
Stratton Finance


Des S

Des Sasked

Hi im been looking at getting a new used car is the interest rates fixed or variable? thanks

1 answer
Stratton Finance
Customer Loyalty ManagerStratton Finance

Hi Des - the interest rate on secured loans for cars is generally fixed, which is great as it means the rate you get now is locked in for the duration of the term of the loan. What are you looking to buy and how much are you looking to finance? I can get one of our Senior Finance Consultants to give you a quick quote.
Regards
Sue Leydon
Customer Loyalty Manager
Stratton Finance


Natalie T

Natalie Tasked

as anyone use this company to finance a boat?

1 answer
Stratton Finance
Customer Loyalty ManagerStratton Finance

Hi Natalie, yes we do finance boats and have a team of boat finance specialists on hand. Feel free to get in touch or if you email your details to social@stratton.com.au, we'll have a consultant contact you and assist with any questions you may have. Thanks.


Jamie

Jamieasked

I'm waiting for car finance pre approval through Stratton.
Does Stratton work Saturday's and can pre approval be completed on a Saturday? I applied late Thursday afternoon.
Thanks

2 answers
Stratton Finance
Customer Loyalty ManagerStratton Finance

Hi Jamie, yes we do from 9am-4pm on Saturdays. If you email your contact details to social@stratton.com.au we can have a consultant get in touch. Thanks.

Malcolm Chilton
Malcolm Chilton

No Strattons only work business hours Monday to Friday


Bryce

Bryceasked

Hi, has anyone here used car connect? If so how much did you save on your new car purchase?

Cheers

3 answers
Max
Max

Yes, they're sensational. Very thorough and the guys I've spoken to seem to be across all the models I was considering. Extremely knowledgable and the price I ended up getting was far better than what I negotiated through my local dealer.

Bryce
Bryce

Thanks for your answer. Would you be able to give me a figure of what you saved? No one seems to be able to give me a dollar figure. Cheers

Dustin B
Dustin B

We tried car connect. They weren't really helpful. They rang a few dealers for us and price was average.
We got a better deal than them through the local car dealer.


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