Bad Credit Car Loans | Australia Wide - Responsive Lending

Bad Credit Car Loans from Responsive Lending

  • Fast Approvals
  • Bad Credit Loans up to $60,000
  • Discharged Bankrupt OK
  • Unpaid Bills OK

Obligation Free Loan Assessment

Why Are We Rated 4.9 Out of 5 Stars for Bad Credit 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 bad credit car loans. If your application doesn't fit the 'norm', we can help. 

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Fast Funds

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

100% Online, Obligation Free

What To Expect from your Bad Credit Car Loan Application>

>  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.

What do our customers say?


Sandy D A
1 Review

Excellent customer service! Natasha & Patricia were not only amazing they went above and beyond my expectations helping secure us a family car! They were both fast and efficient, and answered any and all silly questions I had! Would highly recommend!!


​Maxine Taqiri
1 Review

Michael went above and beyond to get me the finance I needed and even sorted out my car insurance for me as well. He kept me informed every step of the way and I now have the car that I had been wanting, all thanks to Michael. I highly recommend responsive lending and will definitely use them again in the future!!


Sandy Herbert
1 Review

Russel was a deadset legend. He made the process easy. Im an impatient person who likes to know whats going on all the time. Russel kept me informed several times which i really appreciated. Russel is a great asset to the responsive lending team. Thanks for your patience, friendliness and most of all the help in getting me my favourite car!! Recommend you to everyone.

When Can't We Help?

While we try to help in all situations, the following are things we just can't get around:

  • Newstart or Youth Allowance Payments 

There may be other reasons why we can't help. But in those cases we will provide you with the details on why we are unable to assist. 

Repayment Guide

*Repayments are intended as a guide only. As a finance broker we don't set the interest rate, what we do is shop around over 20 different lenders to try and find the best outcome for your circumstance. Repayments and interest rates are dependent on which finance company we can use for your application. Our maximum brokerage fee is $1,210. Other fees including application fees, risk fees and early termination fees could be chargable by the lender. Full fees, repayments and interest rates are disclosed to you prior to you accepting the loan agreement. 


I Have Defaults on my Credit History, Can I Still Apply for a Bad Credit Car Loan?
Yes! Even with credit infringements you may still be eligible for a bad credit car loan. We look beyond your credit score and try to understand the reasons behind why it occured in the first place. We then work with partner lenders and explain the circumstances that brought you to have bad credit. It doesn't work in all situations, but we find that we get better outcomes for our clients by taking this extra step to understand.

I have Discharged from Bankruptcy, Can I Apply?
Yes! We have a number of lender options for customers who are discharged bankrupt.

I have a Court Judgement on my Credit History, Can I Apply?
Yes! We may need some further details about the judgement (for example when it was paid) but in most cases we can still process your application.

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 Bad Credit 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. 

​How Long Does it Take?
​Using our fast online process, it is possible for us to get an answer within 2 business days.​​​


Ready to Apply? Get Started Now