Car Loans Australia

Put your dream in your driveway with Responsive Lending.

Getting a quote from us is cost and obligation free.

Loans from $5,000 to $200,000

Rates from 6.19%* APR

Loan terms typically 3–7 years (varies by lender)

Fees - fees vary by lender; disclosed up-front before you proceed.

Extra repayments - available with many lenders, and most lenders offer no early exit fees (we’ll match you to the right product)

Settlement time - funds can settle as quickly as 24–48 hours after approval

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Calculate My Loan

* 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.

Easy Car Loans

Loans from $5,000 to $200,000

Rates from 6.19%* APR

Getting a quote from us is cost and obligation free.

* Subject to verification, affordability & suitability

Get My Free Quote

Calculate My Loan

Wide Range of Car Loan Options

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.

Getting a quote with us is cost and obligation free, and won't effect your credit score.

Bad Credit Car Loans

You could get a second chance on a new or used car with a Bad Credit Car Loan*.

Discover Bad Credit Loans

Pensioner Car Loans

Pensioner Car Loans up to $12,000 for applicants on eligible pension payments*.

Discover Pensioner Loans

Low Rate Car Loans

Be rewarded for your excellent credit history with Low Rate Car Loans from 6.19%*.

Discover Low Rate Loans

* Subject to verification, affordability & suitability

Car Loan Repayment Calculator

Get an estimate on your loan repayments with our car loan calculator.

Estimate repayments in seconds, then get your personalised rate without affecting your credit score.

Get loan offers

Why a Responsive Lending car loan?

Great Low Rates

Our rates start from 6.19% 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 as quickly as possible. Many customers receive same-day conditional approvals, and funds can settle within 24–48 hours once all documents are verified (timeframes vary by lender and scenario).

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.

Expert Guidance & Support

Our expert team ensures a smooth process, evaluating your needs and guiding you to the best plan hassle-free.

Need help finding a car?

Work utes, SUVs, wagons, hatchbacks, new and used. We partner with dealers all across Australia to help you find what you're looking for.

Talk to our team today to discuss your options.

Submit Enquiry

* Subject to verification, affordability & suitability

Need to Refinance your existing car loan?

Stuck on a high rate or monthly fee? We can refinance with a lender that suits your profile and car. You’ll get the full payout letter checklist and a smooth switch handled by your broker.

Submit Enquiry

See What Our Customers Think

Apply in 3 easy steps

Applying for a loan has never been easier. Our friendly team are ready to assist you in your financial journey.

→ Quick tip; make sure you complete all stages of the application form to fast track your pre-approval.

Start my application

Apply in 3 easy steps

Applying for a loan has never been easier. Our friendly team are ready to assist you in your financial journey.

→ Quick tip; make sure you complete all stages of the application form to fast track your pre-approval.

Start my application

Types of Car Loans

When it comes to financing your new or used car, choose a loan type that suits your vehicle and budget.

We compare lenders across Australia and handle the paperwork from quote to settlement.

New Car Loans

Get competitive new car loan rates for brand-new or demo vehicles. Choose terms that keep repayments comfortable (often 3–7 years), include on-road costs, and enjoy fast dealer settlement once approved. A great fit if you want predictable repayments and the protection that comes with a new car.

Used Car Loans

Flexible used car finance for dealer or private-sale vehicles. We’ll match lender policies to the car’s age and condition and help with checks like PPSR and inspections. Ideal if you’re upgrading on a budget and want certainty around repayments without surprises.

EV & Hybrid Car Loans

Finance for electric and hybrid vehicles, with access to lenders that offer energy-efficient/“green” discounts. You may be able to bundle extras—like a home charger—into your loan (subject to lender approval). Drive cleaner while keeping repayments in line with your budget.

Refinance Car Loans

Refinancing allows you to replace your existing car loan with a new one that better suits your needs. It can help you secure a lower interest rate, reduce your repayments, or even give you the flexibility to upgrade your vehicle.

Frequently Asked Questions

What does Credit History mean?

Excellent = 900 - 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.

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Why are your rates cheaper than the big banks?

As a finance broker, we put a large volume of applications to lenders. Because of this, lenders offer our group wholesale interest rates. It's like shopping at Costco, without the need to buy 400 packets of pasta.

We also get the benefit of being completely independent from the finance companies. This allows us to shop around from multiple lenders to get the best deal. Lenders often fluctuate their interest rates based on the amount of capital they have available to lend, so in respect we can often negotiate great deals with cashed up lenders.

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 6.19%, 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
If Visa holder, we require your current Australian Residency Identification (VEVO) check

Do you do credit checks on all applications?

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

In fact, 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 finance a private sale?

Yes, we can finance private sale cars.

When you've put through your application, just let us know that you're 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 you help?

YES! We have a whole team dedicated to helping customers with bad credit obtain approval for bad credit car loans.

However, we can't help everyone. For all 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 an approval.

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Can l finance imported cars?

Yes, we can organise loans for imported cars!

Once you apply, let your consultant know that you are looking to finance an imported vehicle. This way we can ensure that your application is only put to lenders who specialise in loans for imported cars.

What is a comparison rate and why does it matter?

The comparison rate bundles the interest rate plus certain fees to reflect the true cost of a loan, based on a standard example (e.g., $30,000 over 5 years).

It helps you compare lenders on a like-for-like basis. Your actual comparison rate will depend on your loan amount, term and lender.

What loan terms can I choose from?

Most lenders offer 3–7 year terms. We’ll recommend a term that balances total interest paid with a repayment you’re comfortable with.

Can I make extra repayments or pay out early?

Many lenders allow extra repayments. Some may charge an early-payout fee if you close the loan early.

We’ll show you options with $0 ongoing or low early-payout costs if that’s important to you.

Do you offer balloon payments?

Some lenders allow a balloon payment (lump sum at the end) to reduce monthly repayments. If that’s important to you, we’ll show you loans that offer this option.

How fast can I get the funds?

With complete docs, most lenders can settle within 24–48 hours after approval. Always make sure to ask your broker for an accurate time frame.

Can I refinance my existing car loan with you?

Yes - fill out our refinance enquiry form here and we’ll compare lenders to reduce your rate/fees or term where possible.

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Car Loans Australia

Easy Car Loans

Wide Range of Car Loan Options

Bad Credit Car Loans

Pensioner Car Loans

Low Rate Car Loans

​Car Loan Repayment Calculator​

​Car Loan Repayment Calculator​

Why a Responsive Lending car loan?

Great Low Rates

Fast Approvals

40+ Lenders

Expert Guidance & Support

Need help finding a car?

Need to Refinance your existing car loan?

See What Our Customers Think

Apply in 3 easy steps

Apply in 3 easy steps

Types of Car Loans

New Car Loans

Used Car Loans

EV & Hybrid Car Loans

Refinance Car Loans

​​Frequently Asked Questions

You may also be interested in...

Car Loan Repayment Calculator

Car Loan Repayment Calculator

Frequently Asked Questions