Car Loans for Personal or Business – $2,000 – $200,000 - Responsive Lending

Get a Fast Approval on a Car Loan
with Responsive Lending

  • Fast Approvals
  • 100% Online
  • Australian Customer Service
  • Get a Great Outcome

Obligation Free Loan Assessment

Why Are We Rated 4.9 Out of 5 Stars for Car Loans? (rating based on 133 reviews on Google Local)

We take the time to understand our the customers, their requirements and work harder to get a better outcome for Bad Credit Car Loans. 

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Save Money: Get a Great Rate

We shop over 20 lenders to get you a great rate! 

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Most Situations Considered

We specialise in the difficult when it comes to Car Loans. We work with any concerns you have to get the best outcome.

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Fast Funds

For eligible loans, settlement can occur within 2 business days for car loans.

100% Online, Obligation Free

How We can Help You >

Get rewarded for having a good credit score by getting a great interest rate.

 > Apply Now

For when 2 wheels are better than 4. 

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Been knocked back by the bank? Previous bankrupt? Too many enquiries? Speak to us about getting a Bad Credit Car Loan.

 > Apply Now

Affordable Car Loans for customers receiving Single Parenting Pension, Aged Pension, Carers Pension or Vet Affairs payments.

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What do our customers say?


Anton U

2 Reviews

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.


​Betty S
3 Reviews

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.


Kraigh T
1 Review

If your in need of finance, these are the guys to go to. I have tried plenty of others who have been unable to help due to past finance problems. However Russel from Responsive made this whole process happen with ease!! 10 stars!! Thank you for all your help. Picked up my New car today and love it


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.

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

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

How do I apply? 
You can apply for a bad credit car loan securely online here

Are you licensed?
Yes we are a licensed & accredited finance brokerage.

What are your rates / fees on Car Loans?
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. 

​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.

I'm not working currently, am I eligible to apply?
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. 

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.


Ready to Apply? Get Started Now