Chattel Mortgage Sydney

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


Submit online application

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

Google Rating
Based on 1706 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

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With lots of Sydney businesses lacking sufficient cash flow, buying new cars or equipment is often a difficult process. Since most banks enforce strict eligibility criteria, getting finance can be a difficult process.

However, if you’re a business owner, sole trader or employee who uses their vehicle mostly for work, you may be eligible for a chattel mortgage. Here at Auto Car Loans, we can help you get a chattel mortgage tailored to your specific business needs.


A chattel mortgage is a secured loan that covers movable property, usually cars and equipment, for business use.

Chattel mortgages are available to business owners as well as employees who use their car or equipment predominantly for business purposes. You can secure a chattel mortgage on a property such as cars, mobile homes, and heavy equipment. Usually, when you take a chattel mortgage to finance a vehicle or piece of equipment, the new asset becomes the security for the loan. Once you pay back the loan and its interest the property becomes yours.


Chattel mortgages are a secured loan.

When you take out a chattel mortgage, the lender takes a lien over the property you use as security and you regain unconditional ownership once the loan is fully repaid. This conditional ownership does not limit your use of the item in any way.

If you have a manufacturing or transportation business in Sydney and are looking to purchase new equipment or add more vehicles to your fleet, we can match you with one of our 50+ lenders. Here at Auto Car Loans, we can help you find a suitable lender so you can acquire as many vehicles and heavy machinery you need to run your business without worrying yourself about paying the full cost upfront.

Chattel mortgages are the most popular structure for businesses and sole traders to finance cars and equipment, and for good reason!


With a chattel mortgage via our panel of over 50 lenders, you’ll get to enjoy a lot of benefits, some of which include:

  • Lower Rates
    Chattel mortgages generally have significantly lower interest rates than ‘consumer’ secured loan products available to the general public. And because the loan is secured, you’re likely to get a much better rate than those for unsecured loans like ‘business loans’, ‘cashflow funding’ or personal loans.
  • More Flexibility
    With a chattel mortgage, we can structure your loan repayments according to your personal or business needs. For example if you run a seasonal business or are expecting a large windfall, we can plan your repayments to match your cash flow.
    However most businesses prefer fixed monthly repayments over the whole loan term, which is usually 5 years.
    This flexibility allows you to operate your business with fewer worries even as you repay the loan.
  • Increased Tax Benefits
    • The Instant Asset Write Off allows most chattel mortgage borrowers to fully depreciate the cost of the car on their next annual company tax return (reducing the company’s profit and associated tax liability).
    • GST registered entities can typically claim back the FULL GST amount on the car on the next BAS, often resulting in a GST input credit.
    • Most businesses and individuals can claim the interest expense.

Every lender considers their own factors to determine whether you qualify for a loan or not. Auto Car Loans assesses your individual needs and matches you with the lender which offers a straightforward approval process and competitive interest rates.

To qualify for a chattel mortgage, you only need to prove that the property you want to finance is used primarily for your business (or, if you’re an employee, for business use).

Depending on your situation, (e.g. time in business, time registered for GST, property ownership status) you may be eligible for low doc options which involve a streamlined application and approval process.

So head over to our fast and easy online application form at /apply. Fill and submit the required information, once we receive and evaluate your application and get in touch with you ASAP. Before you know it, you’ll have access to over 50 top industry lenders, including all the big 4 banks, in the palm of your hand.


At Auto Car Loans, we have simplified the entire process of obtaining a chattel mortgage. In many cases we can get you approved and funded within one business day!

  1. Speak to our loan consultant
    The quickest way to obtain a chattel mortgage is to simply call us on 1300 301 051 and discuss your needs with one of our expert finance consultants. Simply provide them with answers to the questions they ask to enable them to determine the kind of chattel mortgage that you need. Do not hesitate to ask any questions you need answers to too.
    And there’s no need to cancel the rest of your activities for the day since this call lasts just three minutes. You can speak to our consultants at any time you wish. We are always happy to hear from you.
  2. Fill out the Application Form
    Can’t speak on the phone right now? No worries. You can simply apply online at /apply. You should be able to complete the form within a couple of minutes.
  3. Get Quick Approval
    We’ll find you the best approval pathway, and the leading interest rates, based on your unique circumstances.
    In many cases we can get you an approval within an hour. If the lender is running behind and taking a while to assess applications, we’ll let you know beforehand and give you alternative options so you can make the right decision.


We have done thousands of chattel mortgages for our Sydney clients. Our commitment to providing businesses with access to funds, as well as our excellent customer service make us a leading choice for business owners in Sydney. Just check out our online reviews! Other reasons clients choose us are:

  • Better Rates
    You may be put off by the ridiculous interest rates of most banks and car dealers. We understand. Here at Auto Car Loans, we enjoy access to wholesale interest rates. Our group taps into $4 billion in annual borrowing power, giving you access to leading lenders ensures that you secure the chattel mortgage you need at the best rate.
  • Excellent Customer Support
    Part of our commitment to serving our customers better includes start-to-finish service from the one expert loan consultant.
    Our experts are always ready to answer your questions and provide the support you need.
  • Savings
    Besides giving you access to the funds you need for your business, here at Auto Car Loans, we also provide you with chattel mortgage rates that allow you to make increased savings compared to banks and car dealers.


Lots of businesses fail right at the start or remain stuck at the same level due to lack of finance. Your business should not be one of them. Whether you need new equipment to increase your output, or a delivery truck to help you reach more customers, a chattel mortgage will help you get your business moving!

Here at Auto Car Loans, we pair you with a lender that meets your individual and business needs.


To see how we can help you get the funding you need for your business, call us on 1300 301 051 and speak with our expert brokers.

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