Getting a Car Loan while in a Part 9 Debt Agreement - Responsive Lending

Getting a Car Loan while in a Part 9 Debt Agreement

Q. I'm currently in a Part 9 (Part IX) Debt Agreement, can I get a car loan? 

A. Short answer is Yes, we can help customers in a Part 9 Debt Agreement. Keep reading below for further information.

Part IX debt agreements were introduced for consumers as an alternative to full bankruptcy. They gave the option for consumers to consolidate their unsecured debts. If you're currently in a Part IX, your options for borrowing are limited. 

Firstly - if you are considering going into a Part 9 Debt Agreement, we recommend that you get Individual Financial Advice from a consumer advocate such as a Financial Counsellor. Financial Counsellor's are a free service and can provide you with the different options before you go into a Part IX. Locate a local financial counsellor here.

Responsive Lending has the option of 3 lenders which we can use for customers who are in a Part IX. While their criteria differs, the common factors are below:

  • Need to be atleast 1 Year into your Part IX agreement
  • The payments to the Part IX must have been on time with no dishonours
  • ​No defaults since the Part IX has started
  • Good bank account conduct - no dishonours or regular overdraws

Lenders also value stability in residence and employment. The longer you have been at your current address and job, the better. 

If you're ready to apply, or have any questions, visit our Bad Credit Car Loans page

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When not tending to his three kids, Nick passionately advocates for customers within the consumer lending space.

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Steve Edmiston - March 2, 2018 Reply

Hi I’m in a part 9 debt agreement with no late payments. I am working full-time at a job I’ve had for 2 years and full time for 12 months there and am on good wages. Is it worth my time applying. Thanks

Kaley Haris - April 3, 2018 Reply

Incredible points. Outstanding arguments. Keep up the amazing spirit.

Carmel - May 22, 2018 Reply

Hi my name is Carmel I was wondering if I could get a car loan with bad credit

Christine - October 12, 2018 Reply

Hi, I’m wanting to buy a car but not sure if I’ll qualify. I am in a debt agreement which will be finalized January next year.

    Nick - November 25, 2018 Reply

    Hi Christine,

    Thanks for the enquiry!

    We conduct free loan assessments, we only charge a brokerage fee if the application is approved and settled. So we are happy to look into this for you to see if we can help:



Ann - November 25, 2018 Reply

Hi im finally a few months away from finishing my part 9 debt agreement – finishes August 2019. Due to bad breakup with my ex partner. I work 2 jobs – 1 full time for 13 years with salary $57,600 & a second partime job Mon-FRI- would i be eligible for a loan ??

    Nick - November 25, 2018 Reply

    Hi Ann,

    It sounds like this is something we can look into – however, we would need to conduct a full assessment to see if we can help. When you can, please pop through an application on the link below. Alternatively, please give us a call on 03 9350 7331 🙂



Ronald - April 13, 2019 Reply

Need a car

porfirio - September 17, 2019 Reply

hi Im in a debt agreement wanting to get a car loan

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