Private Sale Vehicle Loans from Responsive Lending

  • Fast Approvals
  • Secured and Unsecured Options
  • Loans for Cars, Motorbikes & Leisurecraft
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    Good, Average and Bad Credit Options

Obligation Free Loan Assessment

Why Are We Rated 4.9 Out of 5 Stars for Private Sale Car Loans? (rating based on 189 reviews on Google Local)

We take the time to understand our the customers, their requirements and work harder to get a better outcome for Private Sale Vehicle 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 private sale vehicle 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 private sale vehicle loans.

100% Online, Obligation Free

What To Expect from your Private Sale Vehicle 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?


​Virginia McKinnon
1 Review

So amazingly easy to deal with these people, and they are people not just a company. They are very helpful and easy to talk to. I'm awaiting the arrival of my new car and am just a little bit (ok, very, extremely) excited. Thank you Dee, Patricia and everyone else that I spoke with. Very happy customer


​M​ichelle Barker
1 Review

Great to work with patricia was wonderful..polite and very helpful was quick and easy to be appoved..very happy with the service and with my new car


Lucy Teariki
1 Review

Wonderful experience
Friendly, efficient, staff and service
Patricia was patient and understanding with my delays responding and sending documents
AAAA+ group

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 
  • Recent dishonours to existing finance commitments 

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. 


I'm looking to buy a classic private sale car, is this OK?
Yes! We have multiple lenders on our panel that will look at classic or older cars. 

The car I want to to buy isn't roadworthy, can I still buy it?
In cases where the car you want to purchase isn't roadworthy, we will look to do a personal loan rather than a car loan. 

I have Bad Credit, can I apply?
Yes! We specialise in bad credit car loans and have multiple lenders on our panel that we can use for credit impaired customers. 

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 private sale vehicle loan securely online here

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

What are your rates / fees on Private Sale Vehicle 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. 

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