Home - Car Loans

Simple Car Loans

Put Your Dream in Your Driveway With Responsive Lending

Loans from $5,000 to $200,000

Rates from 5.89%* APR

Getting a quote from us is cost and obligation free.

* Subject to suitability, affordability and verification

Am l Eligible to Apply?

To be eligible the following criteria applies:

  • Earning at least $450 per week;
  • You are over the age of 18;
  • You are currently employed, self employed or on an eligible pension;
  • You are an Australian citizen, or a permanent resident of Australia or New Zealand;
  • If you are on a Visa, you must have 2.5 or more years remaining on your expiry (PLEASE NOTE: We cannot assist those who hold a student Visa)
  • You maintain an Australian residential address


NOTE: These are the basic requirements to apply for any loan product with Responsive Lending. A full assessment is required to determine eligibility.

Simple Car Loans

Responsive Lending Car Loans

Loans from $5,000 to $200,000*

Rates from 5.89%* APR


You're in control - your choice of car, bike, truck

We work for you, comparing over 40 lenders to match you with a lender that will get you the best car loan interest rate for your circumstances.


Getting a quote with us is cost and obligation free, and won't effect your credit score!


* Subject to verification, affordability & suitability

Am l Eligible to Apply?

To be eligible the following criteria applies:

  • Earning at least $450 per week;
  • You are over the age of 18;
  • You are currently employed, self employed or on an eligible pension;
  • You are an Australian citizen, or a permanent resident of Australia or New Zealand;
  • If you are on a Visa, you must have 2.5 or more years remaining on your expiry (PLEASE NOTE: We cannot assist those who hold a student Visa)
  • You maintain an Australian residential address


NOTE: These are the basic requirements to apply for any loan product with Responsive Lending. A full assessment is required to determine eligibility.

Wide Range of Car Loan Options

Responsive Lending Bad Credit Car Loans

Bad Credit Car Loans

You could get a second chance on a new or used car with a Bad Credit Car Loan*.

Learn More
Responsive Lending Pensioner Loans

Pensioner Car Loans

Pensioner Car Loans up to $12,000 for applicants on eligible pension payments*.

Learn More
Responsive Lending Low Rate Car Loans

Low Rate Car Loans

Be rewarded for your excellent credit history with Low Rate Car Loans from 5.89%*.

Learn More

* Subject to verification, affordability & suitability

Why a Responsive Lending Car Loan?

40+ Lenders

We have over 40 lenders on our panel who we work with to match you with a lender that will get you the best loan interest rate for your circumstances.

Great Low Rates

Our rates start from 5.89% and with our large lending panel, we're able to find the best loan rate for you!

Fast Approvals

Our brokers work tirelessly to get your loan settled in less than 5 days.

Paperless Application

Our application process can be done completely online. Upload and sign your documents directly from your phone or computer.

Soft Credit Touch

Requesting a quote with us does NOT affect your credit score or leave an enquiry.

Personalised Service

Our team of finance brokers are all Aussie based and work with you until your loan settles.

Car Loan Repayment Calculator

Car Loan Repayment Calculator

Cars Available or Choose Your Own!

We work with dealers nationwide.

Work Utes, SUVs, Wagons, Hatchbacks, New and Used. We can help you find your dream car, sourced from our platform of dealers.

* Subject to verification, affordability & suitability

Cars Available or Choose Your Own!

We work with dealers nationwide.

Work Utes, SUVs, Wagons, Hatchbacks, New and Used. We can help you find your dream car, sourced from our platform of dealers.

* Subject to verification, affordability & suitability

See What Our Customers Think

3 Steps to Your New Car Loan

Step 1!
Step 1

Use our online application form to apply for your car loan in under 3 minutes! The application form will ask you questions like, what type of vehicle you're after, where you live and your income source(s).

Step 2!
Step 2

Speak to our team. Our team will call you to discuss your requirements and get to work to match you with the best lender for your circumstances.


Step 3!
Step 3

Once you're pre-approved, it's time to find your car! You can choose a car of your choice from a dealership, private sale or even in some situations, auction and imported vehicles.


3 Steps to Your New Car Loan

Step 1

Use our online application form to apply for your car loan in under 3 minutes! the application form will ask you questions like, what type of vehicle you're after, where you live and your income source(s).

Step 2

Speak to our team. Our team will call you to discuss your requirements and get to work to match you with the best lender for your circumstances.

Step 3

Once you're pre-approved, it's time to find a car! You can choose a car of your choice from a dealership, private sale or even in some situations, auction and imported vehicles.

​Frequently Asked Questions

What does Credit History mean?

​Excellent = 900 - 1,000 credit score with no defaults

Very Good = 800 -899 credit score with no defaults

Average = 500 - 799 credit score with 1 utility default

Poor = 200 - 499 credit score with 2 or more defaults or ex bankrupt or Part IX

* These examples are provided as a guide only. Each situation is different and a credit score is only one part of the assessment puzzle. Being specialists in our field, we pride ourselves on trying to help as many people as we can, no matter what their circumstances are.

Why are your rates cheaper than the big banks?

As a finance broker, we put a large volume of applications to lenders. Because of this, lenders offer our group wholesale interest rates. It's like shopping at Costco, without the need to buy 400 packets of pasta.


We also get the benefit of being completely independent from the finance companies. This allows us to shop around from multiple lenders to get the best deal. Lenders often fluctuate their interest rates based on the amount of capital they have available to lend, so in respect we can often negotiate great deals with cashed up lenders.

What do your interest rates start at?

Our car loan interest rates vary depending on the age of the vehicle you're buying, your credit history, credit score, assets and liabilities. Our rates start as low as 5.99%, subject to the specified criteria above.

What documents do l need to apply?

Our application process is quick and simple. You will just need to have the following documents ready to upload to your broker:

  • Current drivers licence (back and front pic)
  • Two recent payslips
  • Last 90 days bank statement
  • If Visa holder, we require your current Australian Residency Identification (VEVO) check
Do you do credit checks on all applications?

No, we don't perform credit checks on all applications.


In fact, our "soft" credit checks don't even leave an enquiry on your file!


We perform these "soft" credit checks so we can gather enough information to be able to direct your application to the lender/s we think will be suitable for your financial position.


If your application is then submitted to a lender, the lender will more than likely perform a hard credit check. This WILL leave an enquiry on your file. Just know that we will not submit your application to a lender unless we have discussed it with you and you have agreed to it.

Can l finance a private sale?

Yes, we can finance private sale cars.


When you've put through your application, just let us know that you're looking to finance a car from a private seller and we can ensure that we only use lenders that will help.

I have bad credit, can you help?

YES! We have a whole team dedicated to helping customers with bad credit obtain approval for bad credit car loans.


However, we can't help everyone. For all bad credit applications we need to conduct a full assessment. After we've done the assessment, we will ask you the reasons why the bad credit occurred and present the circumstances to the lender. We find that doing so gives us a much better chance of obtaining an approval.

Can l finance imported cars?

Yes, we can organise loans for imported cars!


Once you apply, let your consultant know that you are looking to finance an imported vehicle. This way we can ensure that your application is only put to lenders who specialise in loans for imported cars.

You may also be interested in...

Responsive Lending Motorbike Loans
Motorbike Loans
Responsive Lending Jet Ski Loans
Jet Ski Loans
Responsive Lending Caravan Loans
Caravan Loans