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Pensioner Car Loans

Put Your Dream in Your Driveway with

Responsive Lending


Loans from $5,000 to $12,000

Rates from 5.89%* APR

Getting a quote from us is cost and obligation free.

* Subject to suitability, affordability and verification

Am l Eligible to Apply?

To be eligible the following criteria applies:

  • Earning at least $450 per week;
  • You are over the age of 18;
  • You are currently employed, self employed or on an eligible pension;
  • You are an Australian citizen, or a permanent resident of Australia or New Zealand;
  • If you are on a Visa, you must have 2.5 or more years remaining on your expiry (PLEASE NOTE: We cannot assist those who hold a student Visa)
  • You maintain an Australian residential address


NOTE: These are the basic requirements to apply for any loan product with Responsive Lending. A full assessment is required to determine eligibility.

Pensioner Car Loans

Responsive Lending Pensioner Car Loans

Loans from $5,000 to $12,000*


You're in control - your choice of car, bike, truck.

We work for you, comparing over 40 lenders to match you with a lender that will get you the best car loan interest rate for your circumstances.


With us, you apply once...we do the rest!


Getting a quote with us is cost and obligation free.


* Subject to verification, affordability & suitability

Am l Eligible to Apply?

To be eligible the following criteria applies:

  • Earning at least $450 per week;
  • You are over the age of 18;
  • You are currently employed, self employed or on an eligible pension;
  • You are an Australian citizen, or a permanent resident of Australia or New Zealand;
  • If you are on a Visa, you must have 2.5 or more years remaining on your expiry (PLEASE NOTE: We cannot assist those who hold a student Visa)
  • You maintain an Australian residential address


NOTE: These are the basic requirements to apply for any loan product with Responsive Lending. A full assessment is required to determine eligibility.

Why a Responsive Lending Pensioner Car Loan?

40+ Lenders

We have over 40 lenders on our panel who we work with to match you with a lender that will get you the best loan interest rate for your circumstances.

Great Low Rates

Our rates start from 5.89% and with our large lending panel, we're able to find the best loan rate for you!

Fast Approvals

Our brokers work tirelessly to get your loan settled in less than 5 days.

Paperless Application

Our application process can be done completely online. Upload and sign your documents directly from your phone or computer.

Soft Credit Touch

Placing an application with us does NOT affect your credit score or leave an enquiry.

Personalised Service

Our team of finance brokers are all Aussie based and work with you until your loan settles.

Am l Eligible for a Pensioner Loan?

We CAN accept the following Pensioner types

  • Single Parent Pension
  • Aged Pension
  • Carers Pension
  • Disability Support Pension
  • Family Tax Benefit A and B

We CANNOT accept the following Pensioner Types

  • Job Seeker*
  • Newstart
  • Youth Allowance

* If you are receiving Job Seeker and receiving an income from an employer, we may be able to help.

Am l Eligible for a Pensioner Car Loan

Car Loan Repayment Calculator

Car Loan Repayment Calculator

Cars Available or Choose Your Own!

We work with dealers nationwide.

Work Utes, SUVs, Wagons, Hatchbacks, New and Used. We can help you find your dream car, sourced from our platform of dealers.

* Subject to verification, affordability & suitability

Cars Available or Choose Your Own!

We work with dealers nationwide.

Work Utes, SUVs, Wagons, Hatchbacks, New and Used. We can help you find your dream car, sourced from our platform of dealers.

* Subject to verification, affordability & suitability

See What Our Customers Think

3 Steps to Your New Car Loan

Step 1!
Step 1

Use our online application form to apply for your car loan in under 3 minutes! The application form will ask you questions like, what type of vehicle you're after, where you live and your income source(s).

Step 2!
Step 2

Speak to our team. Our team will call you to discuss your requirements and get to work to match you with the best lender for your circumstances.


Step 3!
Step 3

Once you're pre-approved, it's time to find your car! You can choose a car of your choice from a dealership, private sale or even in some situations, auction and imported vehicles.


3 Steps to Your New Car Loan

Step 1

Use our online application form to apply for your car loan in under 3 minutes! the application form will ask you questions like, what type of vehicle you're after, where you live and your income source(s).

Step 2

Speak to our team. Our team will call you to discuss your requirements and get to work to match you with the best lender for your circumstances.

Step 3

Once you're pre-approved, it's time to find a car! You can choose a car of your choice from a dealership, private sale or even in some situations, auction and imported vehicles.

​Frequently Asked Questions

What does Credit History mean?

Excellent = 800 - 1,000 credit score with no defaults

Very Good = 800 -899 credit score with no defaults

Average = 500 - 799 credit score with 1 utility default

Poor = 200 - 499 credit score with 2 or more defaults or ex bankrupt or Part IX

* These examples are provided as a guide only. Each situation is different and a credit score is only one part of the assessment puzzle. Being specialists in our field, we pride ourselves on trying to help as many people as we can, no matter what their circumstances are.

What Centrelink payment types are considered for Pensioner Car Loans?

We CAN consider applicants on the following forms of payments:


  • Single Parent Pension
  • Aged Pension
  • Disability Support Pension
  • Vet Affairs Payments
  • Carers Pension
  • Family Tax Benefits A and B
What Centrelink payments are NOT considered for Pensioner Car Loans?

We CANNOT consider the following forms of payments:

  • Job Seeker
  • Newstart
  • Youth Allowance
What do your interest rates start at?

Our car loan interest rates vary depending on the age of the vehicle you're buying, your credit history, credit score, assets and liabilities. Our rates start as low as 5.99%, subject to the specified criteria above.

What documents do l need to apply?

Our application process is quick and simple. You will just need to have the following documents ready to upload to your broker:

  • Current drivers licence (back and front pic)
  • Two recent payslips
  • Last 90 days bank statement or, if on Centrelink, a Centrelink Income Statement
  • If Visa holder, we require your current Australian Residency Identification (VEVO) check
Do you perform credit checks on all applications?

No, we don't perform credit checks on all applications.


In face, our "soft" credit checks don't even leave an enquiry on your file!


We perform these "soft" credit checks so we can gather enough information to be able to direct your application to the lender/s we think will be suitable for your financial position.


If your application is then submitted to a lender, the lender will more than likely perform a hard credit check. This WILL leave an enquiry on your file. Just know that, we will not submit your application to a lender unless we have discussed it with you and you have agreed to it.

Can l get a Pensioner Car Loan for a private sale car?

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.

I have bad credit, can l get a Pensioner Car Loan?

We have a whole team dedicated to helping customers with bad credit obtain approval for Pensioner Car Loans!

However, we can't help everyone. For all pensioner bad credit applications we need to conduct a full assessment. After we've done the assessment, we will ask you the reasons why the bad credit occurred and present the circumstances to the lender. We find that doing so gives us a much better chance of obtaining approval.

How long will my approval take?

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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