Car Loans, Personal Loans & Business Loans - Responsive Lending

Car Loans

commodore and territory
  • Fast & 100% Online Application
  • Dealer or Private Sales
  • Good, Bad or No Credit Considered

Personal Loans

stack of cash
  • Loans for Good Credit up to $50,000
  • Loans for Credit Impaired up to $12,000
  • Good, Bad or No Credit Considered

Business Loans

  • Low Doc Available 
  • Newly Established Businesses
  • Loans for Cashflow, Assets & Equipment

Why Are We Rated 4.8 Out of 5 Stars? (rating based on 109 reviews on Google Local)

We take the time to understand our customers, their requirements and work harder to get a better outcome. 

What do our customers say?


​Anton U
1 Review

Had the best experience with Russel and Natasha handling my application. These two were friendly and easy to talk to if I had any questions they were very helpful with every step of the process. I had my doubts if I would ever get approved with my current credit rating but they made it all possible. I would recommend responsive lending to anyone who has poor credit history. Thanks again Russel and Natasha, very grateful.


Aarron R
1 Review

So delighted with my new car I was so happy they could me even with not so good credit. Very helpful kept me informed every step of the way. Thank you all very much


Betty S
1 Review

Thank you to Natasha and Michael from Responsive Lending for giving me back my freedom. Thank you for the help and the headache free way to applying for a loan to get a car. There is nothing these guys won't answer and the "can do" attitude to getting the loan you need. I highly recommend Responsive Lending to anyone!!!! Especially if you have trouble with paper work.

100% Online Application

Latest Articles >

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What To Expect >

>  Apply Online
Our online application portal in most cases provides us with everything we require to preapprove your application.  

>  Let us know what car you're after
After being preapproved, let your analyst know what type of car you're after. If you already have a car in mind, no worries!  Click here to chat to us on facebook to let us know what car you're after!  

>  Sign your contracts & drive away
In most cases you can sign your contracts completely online.


Who are you?
Responsive Lending is an accredited finance brokerage focusing on non conforming personal and car loans.

How can I contact you?
You can contact us here:
Click here to Live chat (via facebook)
Phone - 03 9350 7331
Email -

Can I do the loan in my business name?
If you are currently trading under an ABN then we can usually utilise a commercial loan contract. Visit our business loans page for further details

What are your rates / fees?
As a finance broker, we don't set the interest rate. Our job is to shop around and give you the best deal based on your circumstance. If you're unhappy with the outcome, you can withdraw the application with no charge to yourself. 

Ready to Apply? Get Started Now