Chattel Mortgage Canberra

We’ll help you get into your new car as quickly and painlessly as humanly possible – at better rates than your bank or car dealer!

100% free no obligation quote

Why should I finance my car through

Big Savings

We’re confident we can beat your car dealer AND those online interest rate comparison websites. Because unlike most car dealers and other brokers, we have access to a range of lenders and specialist financiers. Access to wholesale rates means we can find you the most competitive loan based on your unique circumstances.

Superior Service

Our consultants are real, Australian people, based in Australia. No overseas call centres or pre-recorded menus; with AutoCarLoans you’ll speak directly with our expert staff every time. You won’t be palmed off between departments either: you’ll be allocated your own Finance Consultant who’ll stay with you throughout the entire process. That same person will be there for you throughout the life of your loan.

Fast And Hassle-Free

We know how valuable your time is. That’s why we keep documentation and review times to a bare minimum, and do everything electronically where possible, to ensure you get your car as quickly and easily as possible.

Tailored Options

Whether you’re after a car loan, a novated lease, an operating lease or a chattel mortgage; we help you finance your car in the most advantageous way, based on your unique situation.

Avoid getting taken for a ride by your bank or car dealer

Call 1300 301 051 now to get your free exact quote in under 5 minutes


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Don’t Just Take Our Word For It.
See What Our Customers Are Saying:

Google Rating
Based on 1616 reviews
Brendan C.
November 1, 2023

Really just amazing service. Very clear in communication and fast when responding. Big shout out to Sarah for all her help!
Alice T.
September 22, 2023

We recently went through auto loans for car finance, we worked with Chris Hughes. He was very available to answer questions, efficient and straightforward. The process was very easy and I would recommend this broker to any friends or family. Thanks Chris!
Joel O.
August 17, 2023

Brilliant experience and the best customer service! Thanks so much Declan!
Ian B.
June 30, 2023

Super helpful and friendly people, got all our machinery for our business financed through Alex at Auto Loans Group. highly recommend them!
Scott M.
December 6, 2023

Luke was so much help would highly recommend him to anyone!
Jake S.
December 6, 2023

Caleb was fantastic to deal with, the whole process was smooth and was really approachable to help with concerns. We managed to get a much better rate than dealer finance and would happily recommend them to anyone else trying to source finance!
David P.
December 5, 2023

Thank you so much Bryan you guys made the process so easy and enjoyable I would not hesitate in recommending your company all the best cheers David
Hemisphereimports N.
December 5, 2023

Great team to deal with, Declan makes everything seamless and easy.
Les K.
December 4, 2023

Conan was fast and easy to deal with, he has plenty of experience and knowledge, kept me posted on all. Deal with him again
Rado L.
November 28, 2023

If you're looking for a car loan, don't hesitate to give a call to Auto Loan Groups. We've had our loan done and ready less than 2 days. One very happy customer here!Thank you Jarrod B. for your excellent service!!
Andrew K.
November 22, 2023

Very focused, methodical and pleasant to deal with. I would highly recommend using Auto Loans Group for your financial needs. Specific commendable and kind support by Bryan!
Frank A.
November 16, 2023

So easy to deal with and very helpful all the way
Banksy 4.
November 13, 2023

Great to deal with, and they keep you up to date with everything going on
Lance S.
November 2, 2023

Auto Loans was so easy to deal with. My agent was Athba who answered all queries quickly and I didn’t have to call a call centre each time if I had any queries which was a huge advantage. Athba also got me an excellent interest rate which I could not have found elsewhere. Highly recommend.
Chris T.
November 1, 2023

Jarrod from autoloans group was great to deal with. Made the whole process simple and hassle free. Highly recommend

Fill in $ amount, Get Instant Quote, Drive your car!


Chattel mortgages are currently the most popular car and equipment finance structure among businesses in Canberra. Chattel mortgages are a valuable option for companies, sole traders, and also employees using their car or equipment for majority business use.

Here at Auto Car Loans, with Chattel Mortgages we help Canberra businesses get funding for their vehicle or equipment without the pressure to use their business cash flow upfront. With a panel of over 50 lenders, we offer business customers leading interest rates and multiple approval pathways so they can focus on growing their businesses.

Our expert finance consultants can pair you with the right lender who meets your personal and business needs. And in no time, you’ll be driving away in your new vehicle.

You can then make fixed monthly repayments over a specified period (most commonly five years). With this, you’ll not have to worry about the upfront cost of the car as our lender will be providing funds for the purchase, and you’ll have enough time to offset the loan.


A chattel mortgage is a type of finance agreement that is used for the purchase of productive assets, such as vehicles or pieces of equipment, known as the chattel. This type of loan arrangement is for business purposes only, which means you can only take this loan to buy a vehicle or a piece of equipment primarily to run your business or which you use mostly in the course of your employment. While you do not have to provide additional security for the loan, the purchased asset is used as security.

Under a chattel mortgage agreement, the purchased asset becomes entirely yours without lien from the lender when you have fully repaid the loan and meet all the terms.

So, if you’re looking for a finance option for your business, a chattel mortgage might be a good option for you because of the many benefits that come with it. As a leading finance company in Australia, we at Auto Car Loans are committed to helping you get the best finance option for your business.


Below are some of the benefits you get to enjoy when using us to get your chattel mortgage in Canberra.

  • Better interest rates: unlike unsecured loans, the interest rate for a chattel mortgage is usually better due to the property being guaranteed by the lender of the loan. Chattel mortgages also usually have better rates than secured loans available to the public/ consumer market.
  • It provides a flexible structure for payment: you can make convenient repayment since the terms will be tailored to your individual and business needs. Seasonal businesses can make structured additional payments in the most cash flow positive months, for instance.
  • Balloon payment: you can also opt for a lower repayment option via balloon/lump sum payment during the contract to reduce the monthly mortgage instalments.
  • Tax savings: You should seek your own individualised tax advice on the below, but there are commonly available tax savings from a Chattel Mortgage when used by a company or sole trader:
    • Most business borrowers are eligible for the Instant Asset Write Off so can fully depreciate the cost of the car on their next annual company tax return (reducing the reported income of the business on which you pay tax).
    • Business borrowers registered for GST may be able to claim the car’s full GST amount back as an input tax credit on their next quarterly BAS even though the car wasn’t fully paid for by the business upfront.
    • Most businesses and individuals may be able to claim interest expenses on their tax return.
  • Minimal paperwork: it’s a straightforward process and doesn’t require endless paperwork. You can apply online from anywhere and many lender have low doc options which make the process quick and easy.


You can qualify for a chattel mortgage as an individual employee, sole trader or business if the vehicle or asset you want to finance will be used primarily for business or work purposes (that is, you must use the vehicle to run your business over 50% of the time).

Here at Auto Car Loans, we offer a straightforward process to determine if you’re eligible, and if you qualify, we’ll pair you with a suitable lender as fast as possible, saving you time and effort in looking for a lender. You only have to fill out our online application form at /apply. It takes only about 5 minutes to complete, and it’s easy to understand and simple to fill. After this, our consultants will evaluate your application, and if you qualify, you will have access to top industry lenders.


The vast majority of businesses need vehicles to run their operations smoothly. The cars could be used to transport products and personnel from place to place, running errands, etc.

Getting a chattel mortgage does not have to be difficult or stressful if you use the right finance company. Here at Auto Car Loans, we aim to make the process as easy as possible. With a panel of over 50 lenders, we offer highly competitive rates and multiple approval pathways so you can purchase your vehicle in no time to help run your business.


We are the preferred option for many businesses in and around Canberra. We have helped thousands of business customers with chattel mortgage loans, and most become repeat clients.

Below are more reasons to choose us:

  • Access to top lenders: we have a panel of leading loan providers who can always provide the finance you need for your new vehicle. So regardless of your business or individual needs, rest assured we can find a suitable option for you. Our expert brokers will help you achieve your business goals faster.
  • Vast experience: Here at Auto Car Loans, we understand the ins-and-outs of this industry, knowing which lenders currently have the leading rates and the smoothest approval processes. We can provide you with chattel mortgage options that best suit your individual circumstances.
  • Expert loan consultants: With a combined 50+ years experience in asset finance broking, we have resourceful, professional financial experts that can help you navigate the entire process and various options available so you can choose the one that is just right for your business needs.
  • Huge savings: with us and our panel of 50+ lenders, you can enjoy significant savings that aren’t available at banks or car dealerships.
  • Quick approvals: You can get approved for a chattel mortgage within hours. That means you could drive away in your car on the same day you applied for a loan with us.
  • Avoid pay-out penalty risk: we help you mitigate your risks if anything changes in case you want to dispose of the car and pay out the loan early.
  • Maximum satisfaction: our experienced team is always available to assist you and ensure you have a fantastic experience from start to finish.

Business owners in Canberra that have used our services in the past usually come back to us time and time again. Our customer service is one of the best available. We’ll listen attentively to your needs and stop at nothing to see that you get the best available outcome.

Contact us today on 1300 301 051 to find out how we can help you purchase your new business vehicle -without the hassle!

Fill in $ amount, Get Instant Quote, Drive your car!