Bad Credit Personal Loans - Responsive Lending

Need Cash? Get Approved for a Personal Loan of up to $25,000*

  • Minor Credit Impairments Considered
  • Ex-Bankrupt 
  • Loans for Holiday, House Improvements or Car Repairs
  • Unsecured Loans up to $15,000. Secured up to $25,000


Why Are We Rated 4.9 Out of 5 Stars? (rating based on 236 reviews on Google Local)

We take the time to understand our customers, their requirements and work harder to get a better outcome. 

Loans for Most Purposes

We can organise loans for many purposes, including:

  • Holiday
  • Medical / Dental Procedures
  • House Renovations
  • Recreational Vehicles (Jetski, Push Bikes, Caravans)
  • & Many more..

Most Situations Considered

Our large lending panel means that we help more often. 

Fast Funds

For eligible loans, settlement can occur within 1 business day. See below for the full details on settlement times.  

100% Online Application

How Long Will It Take?

While there can be delays, we usually get your loan sorted and paid to you based on the guide below:

Loan Amount

$2,000 - $5,000

$5,000 - $8,000

$8,000 + (secured loan)

Estimated Settlement Time*

2-3 Business Days

3 -5 Business Days

3-7 Business Days

*Settlement timeframes are a guideline only. Delays in settlement can be caused by extra documentation being requested or compliance constraints.

What do our customers say?


​Sianne G
1 Review

Greg and the guys were absolutely awesome and with three kids and being sick at the time it has been so easy to get things organised with there help, really they are amazing


Kristy F
1 Review

Awesome thank you alan from Responsive Lending. Did such a fast turn around with finding me the car i wanted and that is an amazing one at that.. thank you alan.. do recommend to anyone who needs a car 


​Jean D
1 Review

I would highly recommend Nick and his team especially if you are on Centrelink benefits and need a decent loan. Also, if you need help finding a decent car, they will search their reputable dealers and give you a list of your best options. They make the whole process so easy. Thanks Nick.

What do we look for?

Criteria to apply:1
  • Full Time Employed - Over 3 months
  • Part Time Employed - Over 3 Months
  • Casually Employed - Over 6 months
  • Minimum of $500 per week income
  • Pension Payments Acceptable (minimum of $500 per week income)
What we can't assist with:1
  • Under $500 per week in income
  • Debt consolidation loans
  • More than 1 payday/short term loan
  • Dishonours to existing committments
  • Serious credit infringements
  • Current bankrupts
  • Finance defaults without payment arrangement
1  All loans are subject to lender approval. Criteria is a guide only and may not reflect the outcome of an application


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 -

I have a good credit rating, what can you do?
With good credit you may be eligible for a loan up to $40,000. Please click here for extra information.

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. 

Ready to Apply? Get Started Now