Car Loan Rates from 4.87%*

Comparison Rate 5.60%

Get Preapproved Fast

Low Rate Car Loans from Responsive Lending

Get a Great Deal on your Next Car Loan with Rates as low as 4.87%* (comparison rate 5.60%)

clock showing speedy approvals

Fast Approvals

In most cases we can have an approval within 24 hours.

laptop showing application

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. Private sellers are accepted in most circumstances.

car

Fast Car Finance

bike

Brisk Bike Loans

boat

Lovely Leisure Loans

truck

Lively Commercial Lending

FAQ

How Can You Get Rates Lower than the Big Banks?

Finance Companies work in a similar way to supermarkets. Both finance companies and supermarkets offer discounts for people who buy in bulk. We get the benefit of lower interest rates because of the amount of loans that we, and our partners, put through to each institution.

How Do You Determine my Interest Rate?

Your interest rate is determined by your credit history and financial situation. After conducting a initial review of your file, we determine what lender will give you the best rate.

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 private sale.

How Long Does it Take?

Using our fast online process, it is possible for us to get an answer within 1 business day.

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.

Can I Apply over the Phone?

Yes! You can Apply over the phone by calling us on _

I am Self Employed, Can You Help?

Yes! We have lenders on our panel which are specialist commercial lenders. In some situations we may be able to get a pre-approval without the need for full business financials.

How It Works

1

Apply Now to Get Your Pre-Approval Offer

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

2

Find Your New Car

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

3

Sign Online or In Person

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

Frang D

For a small business they are very helpful and experienced, making finance situations and difficulties that seem impossible, possible.


Also very quick, got my loan approved and finalised on the one day.


Highly recommend

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

Repayment Examples

Hyundai I30 Active

RRP - $22,990

Loan Term - 7 Years

$105 / week *

Terms and Conditions Apply. To approved applicants only. Total amount payable $27,190.48. Repayments based on an intererest rate of 4.87% (5.83% Comparison Rate). Your credit history or financial position may have an effect on the interest rate charged. Any variation of the contract can result in a change to the total amount payable.

Mazda CX9

Mazda Cx9 Sport

RRP - $46,939

Loan Term - 7 Years

$208 / week *

Terms and Conditions Apply. To approved applicants only. Total amount payable $54,221.81. Repayments based on an intererest rate of 4.87% (5.34% Comparison Rate). Your credit history or financial position may have an effect on the interest rate charged. Any variation of the contract can result in a change to the total amount payable.

Mazda CX9

Ford Ranger Wildtrak

RRP - $65,049

Loan Term - 7 Years

$287 / week*

Terms and Conditions Apply. To approved applicants only. Total amount payable $74,662.64. Repayments based on an intererest rate of 4.87% (5.21% Comparison Rate). Your credit history or financial position may have an effect on the interest rate charged. Any variation of the contract can result in a change to the total amount payable.

BMW 320i

BMW 318i

RRP - $46,939

Loan Term - 7 Years

$209 / week*

Terms and Conditions Apply. To approved applicants only. Total amount payable $54,221.81. Repayments based on an intererest rate of 4.87% (5.34% Comparison Rate). Your credit history or financial position may have an effect on the interest rate charged. Any variation of the contract can result in a change to the total amount payable.