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Allcredit Automotive Finance - Chattel Mortgage

A commercial loan designed to help customers purchase a new or used asset for business use. The loan features a fixed interest rate and no deposit requirement.

Business loansRates on applicationLender updated 1 Oct 2026

At a glance

Pricing
Rates on application
Fixed
7.69%
Loan size
$10,000 to $200,000
Upfront fee
$595
Monthly fee
$14.70

Rates

Every rate Allcredit Automotive Finance publishes for this business loan, 17 in all.

TypeApplies toTermBandRateComparisonConditions
FixedMinimum rate for a Chattel Mortgage on a 2 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I2 yrs fixed-7.69%--
FixedRepresentative rate for a Chattel Mortgage on a 2 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on recent l…P&I2 yrs fixed-20.05%--
FixedMaximum rate for a Chattel Mortgage on a 2 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I2 yrs fixed-24.50%--
FixedMinimum rate for a Chattel Mortgage on a 3 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I3 yrs fixed-7.69%--
FixedRepresentative rate for a Chattel Mortgage on a 3, 4, or 5 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on…P&I3 yrs fixed-13.12%--
FixedMaximum rate for a Chattel Mortgage on a 3 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I3 yrs fixed-24.50%--
FixedMinimum rate for a Chattel Mortgage on a 4 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I4 yrs fixed-7.69%--
FixedRepresentative rate for a Chattel Mortgage on a 3, 4, or 5 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on…P&I4 yrs fixed-13.12%--
FixedMaximum rate for a Chattel Mortgage on a 4 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I4 yrs fixed-24.50%--
FixedMinimum rate for a Chattel Mortgage on a 5 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I5 yrs fixed-7.69%--
FixedRepresentative rate for a Chattel Mortgage on a 3, 4, or 5 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on…P&I5 yrs fixed-13.12%--
FixedMaximum rate for a Chattel Mortgage on a 5 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I5 yrs fixed-24.50%--
FixedMinimum rate for a Chattel Mortgage on a 6 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I6 yrs fixed-8.69%--
FixedMaximum rate for a Chattel Mortgage on a 6 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I6 yrs fixed-25.50%--
FixedMinimum rate for a Chattel Mortgage on a 7 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I7 yrs fixed-8.69%--
FixedRepresentative rate for a Chattel Mortgage on a 7 year term. At least 50% of applicants will receive the Representative rate, or lower. It is calculated based on the interest rate offered on recent l…P&I7 yrs fixed-18.12%--
FixedMaximum rate for a Chattel Mortgage on a 7 year term. Your interest rate will be based on a number of factors including but not limited to how long your ABN has been active for, property ownership st…P&I7 yrs fixed-25.50%--

Fees

7 fees published, grouped by when they're charged.

  1. When you take it outUp to $5954 fees, each listed below
  2. While you hold it$14.70 a monthMonthly repayment fee
  3. When you close it or pay it off$0 to $1,000Early termination fee

When you take it out4

  • Establishment fee
    $595
  • Introducer origination fee

    The origination fee will vary based on your introducer.

    $0 to $1,495
  • Personal Property Securities Register (PPSR) fee

    Fee payable for each security to be registered as a security interest on the PPSR website.

    $6
  • Security registration administration fee

    Fee payable for each security to be registered as a security interest on the PPSR website.

    $3.95

While you hold it1

  • Monthly repayment fee

    Payable each time a monthly repayment is due.

    $14.70 a month

If a payment is late or fails1

  • Dishonour fee

    Payable each time a payment instruction is dishonoured.

    $25

When you close it or pay it off1

  • Early termination fee

    Payable if the balance outstanding is repaid in full 6 months or more before the end of the loan term. The early termination fee is calculated as 5% of the balance outstanding up to a maximum of $1,0…

    $0 to $1,000

Features

  • Where available, additional finance inclusions such as comprehensive insurance and extended warranties may be included in the total amount financed, subject to credit criteria.
  • Where available, option to include a balloon payment for loan terms up to 5 years, subject to credit criteria.
  • Have the certainty of a fixed interest rate and repayment amount for the life of the loan.
  • Available terms of 2, 3, 4, 5, 6 and 7 years for new or used assets including motor vehicles, caravans, motor homes, trailers or light commercial vehicles such as buses (up to 13 seats) and trucks (u…
  • Finance available for new and used assets including motor vehicles, caravans, camper trailers, motor homes, trailers or light commercial vehicles such as buses (up to 13 seats) and trucks (up to 7.5…

Eligibility and limits

  • Minimum age 18
  • Residency: Applicants must be an Australian or New Zealand citizen, or a permanent Australian resident, or hold an acceptable visa that is valid for the loan term. Applicants must reside in Australia.
  • Available to businesses
  • Amount $10,000 to $200,000
  • Applicants must hold a valid licence suitable for the asset being financed.

Published by Allcredit Automotive Finance under the Consumer Data Right, last changed by them on 1 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.