Bad Credit Car Loans - Responsive Lending

Get a Bad Credit Car Loan with Responsive Lending

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    Fast Approvals
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    Bad Credit Loans Up To $60,000
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    Discharged Bankrupt OK
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    Unpaid Bills OK
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    Friendly and Understanding Service
prado and tundra

Free Loan Assessment >

All Enquiries are 100% Obligation Free

Latest Reviews

google 5 star review

Responsive Lending is Rated 4.7 out of 5 Stars from 42 Reviews on Google 


​Namika B
1 Review

Had the pleasure of working with Alan, he was absolutely amazing. Would highly recommend applying through these guys


​Angelic K
1 Review

What started out to be me asking Nick from responsive lending a lot of questions. We got a responsive answer each time my husband works so I did most of the paper staff with Nick. Very upfront with everything no hidden cost everything in writing. We now have an awesome mazda 3 thank you Nick and the team from sbs car sales.


​Jean D
1 Review

Thanks u so much alen for your help succouring my loan for my car thanks again cheers

Get a Car Loan with Bad Credit with Responsive Lending

Sometimes it can feel that your bad credit is getting in the way of your day to day life. Whether it's applying for a credit card or getting a car loan, having bad credit can make it more difficult.

Responsive lending works differently. Instead of seeing your Bad Credit as a problem, we see it as an opportunity to improve. You will feel comfortable and at ease with the solutions that we provide you and can be excited about getting behind the wheel of a new car!

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Fast Approvals

In most cases we can have an approval within 2 business days.

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100% Online

Our Online Application Portal allows you to complete your entire application without leaving your desk.

3 cars displayed

Your Choice of Car

Your Choice of Car. Choose a car from any Car Dealership across Australia or use our Car Buying Service to find your dream car.


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I have Defaults on my Credit History, Can I still Get a Car Loan?

Yes! Even with defaults on your credit history, you may still be eligible for a car loan. As experts in bad credit, we will always provide you with the best options for your situation.

I have discharged from Bankruptcy, am I eligible?

Yes! Even after coming out of bankruptcy, you may be eligible for a car loan

I have a Court Judgment on my Credit History, do you think I can get a loan?

Yes! In some circumstances we may need extra information on the judgement, however you may still be eligible be for a car loan.

I've been Declined by another Lender/Bank, can You Help?

We may! We look beyond the scope of traditional lenders to get the best outcome for you.

I'm not currently working, can I get a loan?

Yes! We can process applications for customers who are not working and receiving the following types of payments:

  • Single Parenting Pension
  • VET Affairs Pension
  • Aged Pension
  • Carers Pension

We can't accept customers who are just receiving Newstart Payments or Youth Allowance. 

What Kind of Car can I Get?

Responsive has relationships with major dealerships across multiple states so we are confident we can source the type of car you are after. If we can't, or you have already found the car you want, you are able to go to any dealer or in some circumstances a private sale.

How Long Does it Take?

Using our fast online process, it is possible for us to get an answer within 2 business days.

Can I Apply over the Phone?

Yes! You can Apply over the phone by calling us on (03) 9350 7331

I am after a Commercial Loan but I have bad credit, can you help?

Yes! We have lenders who specialise in bad credit commercial loans.

How It Works


Apply Now to Get Your Pre-Approval Offer

Use our 100% Online Application tool to apply and receive your pre-approval offer.


Find Your New Car

Find your new car either online or through local sellers or use our car finding service.


Sign Online or In Person

In most cases, you are able to sign your loan offer 100% Online!

Rhett T

Fantastic team dealt with nick and nothing was an issue for him made the process very easy and smooth and explained everything aswell as kept me up to date on process the whole time thanks very much guys your amazing

Responsive Lending has a rating of 4.9 out of 5 on Google Reviews based on 19 Reviews.

Ready To Get Your New Car?

Get Your Obligation Free Preapproval

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Author Rating
Aggregate Rating
5 based on 1 votes
Brand Name
Responsive Lending
Product Name
Bad Credit Car Loan
Product Availability
Available in Stock