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

Google Rating
5.0
Based on 1740 reviews
Danny M.
August 20, 2024

I dealt with Doug Cvijetic and he went above and beyond to make our loan happen. Doug was exceptional to deal with, polite, respectful and great at his job, Thanks Doug!!
Michelle C.
August 13, 2024

Had a great experience with Luke Fraser! He made the whole process effortless and easy! Everything was settled within the same day once I provided all the necessary documents. Couldn’t be more happier with the service!
Eben G.
August 12, 2024

Recently dealt with Peter. First time getting a car loan and he made the process super easy and transparent. Highly recommended.
Amanda S.
August 7, 2024

Fantastic service. The right level of support & not pushy. Happy to recommend to all. Took all the hard work so I could just focus on finding a car.
Dylan R.
August 5, 2024

Chris was absolutely amazing. I couldn’t have asked for better help. Very fast and efficien, but also very professional and very very good at his job. If everyone at auto loans group is the same as Chris, then I recommend very highly and will be recommending to family and friends.
Louise B.
August 5, 2024

I can’t praise the team at Auto Loans Group enough. I had a great experience with Nick as he was very knowledgeable and responsive to my questions and changes. From beginning to end it was a very smooth and stress free experience.
Mobile S.
August 2, 2024

Could not fault Sean. He went over and above and made the experience so simple!
Darren H.
August 5, 2024

Auto Loans assisted us with a new Tesla car loan which was stress free process. Declan was friendly, efficient and easy to deal with. Many thanks, Darren
Chris G.
July 25, 2024

Extremely easy to deal with and the fastest processing I have seen, paperwork in on the afternoon of the Friday, approved Monday morning, funds transfer Monday and vehicle picked up Tuesday. Bryan was extremely helpful and made the process very easy.
William M.
July 25, 2024

Amazing service, extremely professional. Big thanks to Conan Langham for his help in securing me the best loan possible. Thanks for everything. Will.
Justin B.
July 24, 2024

Would have to say dealing with Declan was the most stress free experience. Nothing was to hard for him he keeped me in the loop anll the way through and in actual fact he saved me over $2000 and was able to get me a better interest rate than anyone else. So please if your thinking of using AutoGroup don’t hesitate and if your lucky enough to deal with Declan you will do very well. Thanks for a stress free experience.
Eleanore A.
July 12, 2024

Very professional, fast and easy. Thank you Doug of Auto Loans Group. Definitely will use it again.

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Because we are an Australian finance company specialising in car loans and chattel mortgages, we can help you  access a wide range of competitive options from Australia’s leading lenders, whilst also ensuring fastest possible turnaround time.

Get Your Chattel Mortgage Pre-Approved As Quickly And Painlessly As Possible

  • Call now for a 3 minute chat
  • Get An Exact Quote and instant Approval in Less Than 5 Minutes*.
  • Save On Exclusive Commercial Rates.
  • Access Premium Lenders WITHOUT hidden Fees or early payout penalties

Benefits For ABN Business Owners & PAYG Employees

Let our experts help you minimize taxes and manage your cash flows. If your car is for business use, you can access lower commercial interest rates than consumers, with less documentation! Whatever yours needs, we’ve got you covered:

  • Loans
  • Novated & Operating Leases
  • Chattel Mortgages
  • Off-Balance Sheet Finance
  • Shop For Cars Pre-Approved At Our Great Rates.

Claim GST Credits & Deduct Depreciation/Interest Expenses!

How To Get Approved, FAST!

Our Free Online Quote is indicative only. You will need to tell us a bit about your finances to get an exact approved Chattel Mortgage quote.

  • Call for a 3 minute chat So Our Commerical Loan Experts Can Choose Source the Best Loan For Your Business
  • Our Consultants Will Fill In All the Forms FOR you.
  • Get Approved Quote and instant Chattel Mortgage Approval In under 5 Minutes*

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Chattel Mortgage FAQ

 

What is a Chattel Mortgage?

Chattel Mortgages are the most popular business car loan structure in Australia. A Chattel Mortgage is a type of car loan or equipment loan for business use. The business owns the asset from the time of purchase, while the financier takes a mortgage over the asset (‘chattel’) as security for the loan.  Once you repay the loan, the mortgage is removed, and you own the asset outright.

 

What are the benefits of a Chattel Mortgage?

  • Ownership: You own the asset from day one.
  • Tax Benefits: Potential tax deductions on interest payments and depreciation of the asset, as well as running costs.
  • Flexible Terms: Repayment terms and structures can be tailored to suit your cash flow.
  • Low Doc Options: Many lenders offer streamlined application processes for Chattel Mortgages, with less documentation required compared to consumer car loans and personal loans.
  • GST Benefits: If you are registered for GST, you can claim back the full the GST on the purchase price of the asset.  This often results in a significant GST credit or refund on your next BAS.

 

Who can apply for a Chattel Mortgage?

Chattel Mortgages are typically available to businesses, including sole traders, partnerships, and companies. PAYG Employees who use their cars for work can also be eligible. The asset purchased must be used predominantly for business purposes.

 

What assets can be financed under a Chattel Mortgage?

A Chattel Mortgage can finance a wide range of business-related assets, including cars, trucks, machinery, and other equipment. The asset must have a serial number and be used primarily for business purposes.

 

Can I claim GST on a Chattel Mortgage?

Yes, if you are registered for GST, you can claim the GST on the purchase price of the asset. This can be done as part of your next Business Activity Statement (BAS).

 

How do I apply for a Chattel Mortgage?

Applying for a Chattel Mortgage is fast and easy.  Speak with one of our friendly Finance Brokers who can discuss your eligibility, take an application from you and match you with a lender from our panel.  Just submit a quote request  to get a free chattel mortgage rate comparison or give us a call during business hours to get started!

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