The Chattel Mortgage Experts in Darwin

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!

Why should I finance my car through AutoCarLoans.com.au?

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 OR Submit online application

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

Easy Process

I used AutoCarLoans.com.au to arrange finance for a new car purchase and it was a very good experience. It was easy, hassle free and also great follow up by the staff member who arranged my finance.

Sharon in Gold Coast via Feefo

Highly Recommend

Fast, flexible, polite, helpful, and effective. Best rate by 1.4 percentage points and better terms.

Michael, Melbourne via Feefo

Fast and Easy, Nice to deal with and answer any questions you may have, also have great comparison prices. I would Recommend AutoCarLoans.com.au anytime, and would use again next time. 10/10

Ashley via Google Review

'Highly recommended!!!

From start to finish, the entire process of the application and securing finance was excellent! The service provided by Alex was outstanding, he was friendly, helpful and most importantly kept us informed throughout the whole process. Highly recommend the services from Alex and Autocarloans!

Dave & Matt, Adelaide via Feefo

If you're looking to get a vehicle financed don't bother wasting your time at the banks like I did, go to AutoCarLoans. Dealing with [my consultant] was an absolute breeze, and has saved me a ton of cash. Would recommend to anyone looking for car financing. Could not be happier.

Ryan via Google Review

Exceptional service even with the challenges I threw at them.

I made a call to Autocarloans and ran some scenarios passed them about my options coming up to end of finance program with Mercedes Benz. They were very helpful. They then followed up with me regularly to see if they could help further. When the time came to make a move everything was sorted out extremely quickly. Then I changed my mind at the 11th hour. I went from refinance of existing car on a Friday to buying a brand new car. it was all changed, done and settled by the following Tuesday. This was at the end of financial year when I am sure they were very busy. Exceptional work.

Matt in Brisbane via Feefo

After a nightmarish time dealing with the lackluster service of the big banks, I felt like nobody wanted my business. I submitted an application through Auto Car Loans and within 5 minutes I had a response. [My Consultant] truly is a breath of fresh air for anybody trying to secure a loan. He helped me glide through the application process, securing me the loan terms I wanted and an interest rate that was beyond competition. Added to this, he is personable and turned what was previously a long grind into a pleasant experience. I would recommend Auto Car Loans to anyone looking to establish a loan. Save yourself the hassle that I went through with the big banks, and talk to a broker.

theno1seed via Google Review

Superb customer service and the best for car loans

Absolutely wonderful service. I hardly believed I could get a car loan being a pensioner but Auto Car Loans were able to get me a loan which exceeded my expectations. The person I dealt with was so helpful and kept in touch to update me on the progress of my loan application. It was a seamless process re the loan documents and the money was paid very quickly to the car dealer. I would recommend this company to anyone, especially anyone who would find it hard to get a loan and I wouldn't hesitate to use them again. Thank you, Auto Car Loans.

Alda in Kellyville via Feefo

AutoCarLoans - EXCELLENT !

Really good experience using AutoCarLoans. Better rate than banks, excellent service and very thorough.

William in Orange NSW via Feefo

Informed, happy and content with the great service

Auto Car Loans was a pleasure to deal with, from the original quote right through to the final purchase. With a deep product knowledge and great client relationship skills, they kept me well informed and provided all right information which allowed me to make a sensible and quick decision regarding the finance for my new vehicle. I must thank [the Finance Consultant] for his patience during the almost two month delay in delivery of the vehicle.

Raymond in Canberra via Feefo

These guys were great! Steve bent over backwards to look after me which was much appreciated. Never realised the process would be so quick and easy.

Tim via Google Review

Couldn't be happier

Fantastic. Very friendly yet professional, honest, prompt and no BULL. Pleasure doing business with the finance consultant.

Issy in Victoria via Feefo

I have used Auto Car Loans twice now. The service I have received is the best I have ever received when getting a loan. I would recommend this company to anyone looking to purchase a vehicle. Very impressed.

Gladys in Darwin via Feefo

Fantastic Company with exceptional staff.

Excellent company with consultants looking for the best for their clients. Would highly recommend their company and will definitely go through again on next purchase. Thankyou.

Jeffrey in Gold Coast via Feefo

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Chattel Mortgage Darwin If you’re a business owner in Darwin looking to buy a car to run your business, a chattel mortgage could be your cheapest and most tax effective finance option.

Here at Auto Car Loans, we can help you get a chattel mortgage without stress! A chattel mortgage is a secured loan for a business movable property granted to an individual or business owner. Chattel mortgages are available to businesses, sole traders, and employees who use their vehicle for work over 50% of the time. For those eligible, they are the most popular product for car and equipment finance.

What is a Chattel Mortgage? A chattel mortgage is currently the most popular way for businesses and individuals to fund cars and equipment for business use. With a conventional business loan, a loan is extended to a person depending on the security, usually land or house, etc that he provides. But with a chattel mortgage, you can get a loan secured by the “chattel”, in which the loan provider holds a lien until you repay the entire loan amount. Simply put, the asset is used as a security for the loan, while you use it as your own. When you have repaid all the loan repayments, the asset becomes yours and the lender’s charge over the asset is removed.

Here at Auto Car Loans, we help businesses in Darwin get access to a wide range of chattel mortgage lenders that can provide them with finance to meet their business and individual needs. With this, you get loans with better interest rates, flexible payment structure, therefore, helping you to grow your business with ease!

Benefits of a Chattel Mortgage Here at Auto Car Loans, we are determined to make life easier for business owners like you in Darwin. We give you unfettered access to the best lenders that will provide funds for you to purchase your new vehicle or asset so you can run your business more efficiently. If you’re self-employed or a small business owner, you’ll benefit from a chattel mortgage because of the flexible repayment structure.

Here are some benefits you will enjoy by getting a chattel mortgage through us:

Better interest rates compared to unsecured loans due to the asset being secured by the lender. Also, chattel mortgages attract lower interest rates than secured car loans available to the wider public.
Flexible payment structures tailored to your business needs. If you run a seasonal business with cash flow fluctuations, you can time the repayments to best suit your needs.
Fast and Easy thanks to low doc options offered by many chattel mortgage providers which streamlines the application and approval process.
Tax deductions which you should seek individual advice on, but commonly available breaks to businesses and sole traders include:

Claiming back the full GST cost of the vehicle upon purchase, so you can get the credit on your next BAS (GST registered purchasers).
Access to the Instant Asset Writeoff so you can expense the full cost of the vehicle, rather than carry it as an asset and depreciate it down over several years. (this allows you to reduce your reported business income for the year by the cost of the car, even though the car is being financed over several years)
Ability to claim the interest cost as a business expense. Again you should seek advice from your accountant on what tax advantages will apply to you.

Determining Eligibility If you are self-employed or a business owner in Darwin, you can qualify for a chattel mortgage. Also, if you are an employee who will use the car or equipment for predominantly business use, you too may qualify for a chattel mortgage. The basic requirement is that you must use the vehicle primarily for business purposes over 50% of the time.

Here at Auto Car Loans, we make sure we understand both your individual and business needs. Using our industry experience and knowledge, we find the right chattel mortgage from our network of over 50 leading lenders. Not only that, we offer continuous support throughout the lifespan of your loan, and whenever you need help.

You are just a click away from riding in your new car that will help you run your business more effectively. Head over to https://autocarloans.com.au/apply and complete our simple and straightforward online application. It takes only about 5 minutes to complete. Once we’ve reviewed your application, we’ll get in touch and before you know it, you’ll have access to our lenders.

Why Choose Auto Car Loans? We specialise in chattel mortgages and we can offer more than banks and car dealers:

With us, you get huge savings that you can’t find with dealerships or banks.
Better interest rates and monthly repayments tailored to your individual and business needs.
You get a flexible loan repayment duration.
You can claim tax deductions and Input Credits if you’re registered for GST.
Easy, convenient application with a fast turnaround time
Access to several different lenders, so there’s always a suitable option for you.
Outstanding service and support from our experienced expert consultants.

Here at Auto Car Loans, we have a dedicated team of expert consultants ready to work with you and help you get the right loan for you and your business. Our experts save you the time and stress of searching for a suitable lender and pair you with the right one based on your unique circumstances.

To get started with your chattel mortgage or to learn more, contact one of our lending consultants on 1300 301 051.