Car Loans for Pensioners up to $10,000

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  Single Parenting Pension


  Aged Pension


  Carers Pension

100% Obligation Free

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"Kurt was amazing and accommodating"

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"I recommend Responsive Lending to anyone that find it hard getting finance elsewhere."

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"They made the process so simple and easy"

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Loan Repayment Calculator

Amount to Borrow:

Amount: $

Loan Length:


Credit History:

Loan Repayments:

$80per week*

Interest Rate: % (Comparison Rate:31.22%)

*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 $10,000 loan over 5 years. Different amounts and different loan lengths will mean a different comparison rate.

What is a Pensioner Car Loan?

A Pensioner Car Loan is a special loan product that allows you to get a car loan if you're receiving an eligible pension payment.

Once you apply for a pensioner car loan with us, we will match your application up with a lender that specialises in lending to customers on a pension. From there, we can help you find a car that suits your requirements and even organise delivery!

How It Works

Get Your Car Loan Preapproval

Use out online application system to apply online for your pensioner 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.

Choose Your New Car

Once you're preapprove, 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

We Can Consider Applicants on the following forms of payments:

  • Single Parenting Pension
  • Aged Pension
  • Disability Support Pension
  • Vet Affairs Payments
  • Carers Pension

Please note we can not consider applicants solely receiving Job Seeker, Newstart or Youth Allowance

Yes we can organise pensioner 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.

We have a whole team which is dedicated to helping customers with bad credit obtain approval for 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 the you the reasons why the bad credit occured and present the circumstances to the lender. We find that doing so gives us a much better chance of obtaining approval.

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Using our online application process it is possible for us to get an answer back to you within 2 business days.

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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.

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Pensioner Car Loans

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

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Low Rate Car Loans

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

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Loans for Imported Cars

Loans for Direct Japanese or American Car Imports.

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Let's get You Your Next Car