Low Rate Car Loans from 4.99%*

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  Your Choice of Car

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  Fast Preapprovals

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  Private Sales OK

100% Obligation Free

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Rated 4.9 on Google Local
Based on 255 Reviews


"Being one of the smaller guys, i was hesitant to apply for a pre-approval but I'm really glad i did!"

Trinity A


"Great team to deal with that go out of there way to suit the customer's needs pleasure doing business with them thanks"

Stephen M


"Fantastic, supportive experience with Responsive Lending from application process all the way to choosing the car."

Carla D

Loan Repayment Calculator

Amount to Borrow:

Amount: $

Loan Length:

Years


Credit History:

Loan Repayments:


$80per week*


Interest Rate: % (Comparison Rate:6.34%)


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*Repayment calculator is provided as a guide only. Interest rates, terms and fees can vary dependent on your situation and requirements and objectives. Contact us directly for a more accurate indicative quotation. Total amount payable on the repayment example above: $. Comparison rate is based on a $30,000 loan over 5 years. Different amounts and different loan lengths will mean a different comparison rate.



What is a Low Rate Car Loan?


A Low Rate Car Loan allows you to get the benefit of having an awesome credit history by being rewarded with a low interest rate.

Applying with Responsive Lending takes the guesswork out of you applying for a car loan. Your one application with us allows us to



How It Works

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Get Your Low Rate Car Loan Preapproval

Use our online application system to apply online for your low rate car loan in under 3 minutes.

The application form will ask you questions like what type of vehicle you are after, where you live and what your income source(s) is.

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What Kind of Car are You Looking For?

By letting us know what car you are wanting it allows us to make sure we only use lenders that will finance that asset.

Getting this information upfront allows us to make the best informed decision about where to send your loan application, thereby reducing the impact on your credit file and increasing the chance of approval.

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Choose Your New Car

Once you're preapproved for your Low Rate Car Loan, it's time to find a car!

We will help find you cars that suit your lifestyle and budget requirements, but the choice at the end of the day is yours.

In most cases we don't have any restrictions on where you buy a car from. Private sales, imported cars, auction yards and dealers across Australia are possible.

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One Application Accesses over 20 Different Lenders

With just one application, you have over 20 different lenders all competing for your business. This gives us the power to negotiate with lenders to get you a great deal on your next loan.

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Frequently Asked Questions

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, but 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 that they have available to lend, so in this respect we can often negotiate great deals with cashed up lenders.

Yes we can organise car loans for private sale cars.

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

No we don't have any restrictions on which dealership you go through after you're preapproved for your low rate car loan.

However, we do have an inhouse car buying facility who shop around to find you an awesome deal on a car. This service is completely free!

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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.

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Specialist Solutions for Tailored Car Loan Options



Bad Credit Car Loans

Get a second chance on a Car Loan with a Bad Credit Car Loan.

More Info

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Pensioner Car Loans

Car Loans up to $10,000 for Applicants on Eligible Pension Payments

More Info

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Low Rate Car Loans

Be Rewarded for Your Excellent Credit History with Loans from 4.99%

More Info

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Loans for Imported Cars

Loans for Direct Japanese or American Car Imports.

More Info

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Loan Repayment Guide


Car Price: $57500

  • 2019 Ford Ranger Wildtrak
  • Twin Turbo Diesel
  • Black Styling Pack
Your Weekly Repayments

Estimated Repayments:

$255 per week*

Your Weekly Savings

$26 per week*

Savings are based on the advertised car loan rate with Westpac as of 1/07/2020.


*Repayment calculator is provided as a guide only. Weekly repayments are based on an interest rate of 4.99% (6.34% comparison rate). Westpac comparison rate 8.99%. Interest rates, terms and fees can vary dependent on your situation and requirements and objectives. Contact us directly for a more accurate indicative quotation. Total amount payable on the repayment example above: $66300. Comparison rate is based on a $30,000 loan over 5 years. Different amounts and different loan lengths will mean a different comparison rate.

Let's get You Your Next Car

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