Car Loans – Loans from $2,000 – $200,000 - Responsive Lending

Get Approved Fast with Responsive Lending

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    Get a Great Outcome

Free Loan Assessment >

All Enquiries are 100% Obligation Free

*Comparision rate of 6.09% is subject to lender approval. Comparison rate based on a secured loan of $30,000 over 5 years. 

Good Credit, Bad Credit, No Credit, Get a Great Deal on a Car Loan with Responsive Lending with No Worries!

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Regardless of your Credit Situation, Responsive Lending will make sure you get the best deal on a car loan. Good Credit, Bad Credit, No Credit, No Worries!

Our online system to quickly and easily complete your application. The whole application takes minutes to finish and in some situations you'll get an outcome within the hour.

How it Works


Apply To Get Your Preapproval Offer

Apply on your computer

Get Your Preapproval Offer Without Leaving Home with our 100% Online Application Process. 


Find Your New Car Online

Find a Car with our Online Classifieds

Find Your Dream Car Online knowing that you are already Preapproved for the Loan.


Sign Online or In Person

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In most cases, you are able to Sign Your Loan Offer 100% Online. 


How Long Will It Take to be Approved?

Your application for finance is our number one priority. Therefore, we will ensure that you get your Pre-Approval offer as quick as possible. Some lenders allow us to be able to process your application in as little as 2 hours.

In some situations, more information from you may be required. But rest assured that we will keep you in the loop through the whole process!

Can I Finance a Used Car?

With Responsive Lending, you have access to all of the major finance institutions. This gives you the freedom to purchase vehicles of any age, from Vintage 1950's Classics right through to Modern Brand New Family Cars.

Can I get a Car from a Private Seller?

Yes in most cases! You have the option of buying a car through a Dealership or a Private Seller. We can even source a car for you using our aligned dealer network.

The Car I Want to Purchase is a Repairable Write-Off, can I still get Finance?

Yes! You are able to finance cars that have been repaired and re-registered.

Do I Have to Buy A Car through your Dealer Network?

No. While our dealer network does a fantastic job at locating the car of your dreams 98% of the time, we understand that sometimes you might have already found that perfect car!

Do you Offer Commercial Loans?

Yes! We can offer commercials loans to you at great rates! We offer all of the major financial instruments, such as Chattel Mortgages, Hire Purchases or Company and Personal Leasing.

Can you help customers receiving pension payments? 

Yes! We can help customers who are receiving eligible pension payments. Please check out our Pensioner Car Loans page for further details. 

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5 Minutes to Apply
2 Hour Turnaround*

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Your Choice of Car

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Testimonials from Real Customers

5 star google

Responsive Lending has a rating of 4.7 on Google Reviews based on 46 reviews.

I would like to personally thank Daniel and the team at Responsive Lending for going above and beyond to ensure we got the absolute best rate and loan for our vehicle. Not only is their turn around time ridiculously fast, but they managed to secure a competitive rate for our insurance too! Happy is an understatement!

Malina T

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.

Angelic K

Awesome thank you Alan from Responsive Lending. Did such a fast turn around with finding me the car i wanted and that is an amazing one at that.. thank you alan.. do recommend to anyone who needs a car​

Kristy F

We had the pleasure of dealing with Daniel Assouni, such an awesome guy. Always kept us updated on the process, as soon as he got our message we heard back from him instantly. Thanks Daniel

Rosemary T

I would highly recommend Nick and his team especially if you are on Centrelink benefits and need a decent loan. Also, if you need help finding a decent car, they will search their reputable dealers and give you a list of your best options. They make the whole process so easy. Thanks Nick.

Jean D

The best and most easiest and without fail the quickest loan company ive had the pleasure of dealing with. Everything was done so fast and Nick was fantastic couldn't of asked for a nicer person to deal with

Christie B

Ask Us A Question

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Call Us On (03) 9350 7331

Our Customer Service Consultants are all located in Brunswick, Victoria. 

Ready To Get Your New Car?

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