Pensioner Car Loans – Loans from $2,000 – $9,000 for Centrelink Recipients - Responsive Lending

Get a Car Loan on a Pension with Responsive Lending

  • Single Parenting Pension
  • Carers Pension
  • Vet Affairs Pension
  • Aged Pension

Obligation Free Loan Assessment

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

We take the time to understand our customers, their requirements and work harder to get a better outcome on all car loans for pensioners.

Save Money: Get a Great Rate

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

Most Situations Considered

We specialise in the difficult. If your situation doesn't fit the 'norm', we can help. 

Fast Funds

For eligible loans, settlement can occur within 1 business day. 

100% Online, Obligation Free

What To Expect >

>  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?


​Tegan S
1 Review

Michael and Natasha have been absolutely amazing. They made the process so simple and easy. They understood that I didn’t have much time and were very accommodating. Highly recommend!!! 


​Jermaine P
1 Review

Thanks Greg and Natasha for making my application an easy process. I recommend Responsive Lending to anyone that find it hard getting finance elsewhere. Thank again guys.


1 Review

Natasha, Patricia and the amazing team at Responsive went above and beyond to accomodate all my and my families needs. I could not have asked for a better experience in dealing with lenders, they made it smooth sailing all the way. I can not recommend them highly enough.


​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. 

Who are you?
Responsive Lending is an accredited finance brokerage focusing on non conforming personal and 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 securely online here​​​​​​

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

What are your rates / fees?
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. 

​I Have Bad Credit, Can I Apply?
Yes! Even with credit infringements you may still be eligible for a car loan. As experts in bad credit, we will always provide you with the best options for your situation.

​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.

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


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. 

Ready to Apply? Get Started Now