Auto Loans | DJ Mortgage

Whether you're buying a new car, a used car, a commercial vehicle, or looking to optimize your cash flow through a car loan, DJ Mortgage can match you with the most suitable Australian car loan solution.


We partner with multiple banks and professional auto loan institutions to provide Australian Chinese, first-time car buyers, self-employed individuals, and business owners with fast approval, flexible loan structures, and competitive interest rates for auto loan services.

Why choose Daji Credit for your car loan?

Fast approval, simple process

Compared to mortgages, car loans require fewer documents, and in many cases, approval can be completed within 1–3 business days.

Auto loan service scope

(01)

New Car Loans

Suitable for purchase:

  • Brand new vehicles (Dealer / Private)
  • Electric Vehicles (EVs)
  • hybrid vehicles

Features:

  • Interest rates are usually low
  • Flexible loan terms (1–7 years)
  • Down payment of 0-10% is possible (depending on individual circumstances).


(02)

Investment Property Loans

Suitable for purchase:

  • Used cars at car dealerships
  • Privately traded vehicles

We will base our decisions on:

  • Vehicle age
  • Mileage
  • Purchase price
  • Borrower's credit status

To match acceptable lenders and avoid rejection.

(03)

Commercial Vehicle Finance

Suitable:

  • Truck (Van)
  • Truck
  • Out
  • engineering vehicles
  • Business vehicles

Available options:

  • Loans in the name of the company
  • Commercial auto loan
  • GST included structure (suitable for business owners)

(04)

Self-Employed Car Loans

If you are: ✔ Small business owner ✔ ABN contractor ✔ Pty Ltd company director

We can assist with its use:

  • Simplified Document (Low Doc)
  • BAS / Bank Statement
  • Financing in the name of the company
  • It helps you complete your car purchase without impacting your cash flow.

(05)

Explanation of Common Car Loan Structures

▸ Fixed interest rate vs. floating interest rate

Most car loans have fixed interest rates, making your budget more stable.

▸ Balloon / Residual

Keep a balance at the end of the period to reduce monthly repayments (suitable for cash flow management).

▸ Loan Term

Generally, 3–5 years is the most balanced; longer periods will increase the total interest.

(06)

Service Area

We provide car loan services for:

  • Sydney
  • Melbourne
  • Brisbane
  • Adelaide, Perth
  • Remote processing across Macau


Auto Loan FAQ

  • 1. Is a down payment always required when buying a car?

    Not necessarily. Some lenders offer car loans with low or even zero down payments, depending on credit and income.

  • 2. I haven't chosen a car yet, can I apply for a car loan first?

    Can.

    We can provide you with pre-approval to determine your budget before you choose a car.

  • 3. Is there a difference in loan terms between buying a car privately and buying a car from a dealership?

    have.

    Some lenders have stricter requirements for private transactions, and we will help you confirm the feasibility in advance.

  • 4. Can a self-employed person apply for a car loan if they do not have complete financial statements?

    Can.

    Many auto loan providers accept BAS, bank statements, or simplified documents.

  • 5. Will my car loan affect my future mortgage application?

    meeting.

    Car loans are considered liabilities and can affect borrowing ability.

    We can help you assess the best balance between "buying a car now vs. buying a house in the future".

For loans, choose Daji; wishing you great profits from your investments.

Contact Daji Credit—Free Assessment, Start Now

Tim Chen, General Manager


📱Mobile/WhatsApp: 61403503076

📲 WeChat: cheng021405

📧 Email: myloans888@gmail.com