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Put Your Dream Car
in Your Driveway with a Responsive Lending

Pensioner Car Loan


Your Choice of Car


Private Sales OK

Loans up to $10,000

Apply Now

100% Obligation Free Approval

To Apply You Need the Following*:
  • Earn at least $450 per week
  • Over 18 years of age
  • Be currently employed, self employed or on an eligible pension

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

Loan Repayment Calculator

Amount to Borrow:

Amount: $

Loan Length:


Loan Repayments:

$80per week*

Interest Rate: % (Comparison Rate:32.95%)

Obligation Free Enquiry

*Repayment calculator is provided as a guide only. Interest rates, terms and fees can vary dependent on your situation and requirements and objectives. Contact us directly for a more accurate indicative quotation. Total amount payable on the repayment example above: $. Comparison rate is based on a $30,000 loan over 5 years. Different amounts and different loan lengths will mean a different comparison rate.

Can I Get a Car Loan on a Pension?

You can get a car loan if you're on an eligible pension payment. As long as you are receiving either Carers Pension, Single Parenting Pension, Disability Support Pension or Aged Pension you may be eligible for a loan of up to $10,000.

Why a Responsive Lending Pensioner Car Loan?

It can be frustrating applying for a car loan on a pension. Many finance companies will just not take into considering any form of centrelink payment. Responsive Lending is different.

What makes us better?

We have hand selected a group of lenders which we think are the best in the business when it comes to pensioner car loans. This way we avoid the fluff and confusion and get straight to the point, getting you approved for your new car loan.

You're in Control, Your Choice of Car, Bike or Truck

We're independent and proud of it.

What does that mean for you? 

When you're approved for a pensioner car loan with us, you're not locked into any one car dealer. You can choose where and who you buy your new car from.

Friendly, Local Customer Service

All of our Pensioner Car Loan's team are located in our offices in both Melbourne and Queensland and are ready to help with your finance enquiry.

Don't worry if you're in another state, we can help customers all over Australia.

3 Steps to Your Pensioner Car Loan


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


Verify your income online. We use bankstatements.com.au which is a service provided by Proviso for income verification. This saves the need for you to download and email through statements.


One 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.

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Let's Get You Your New Car

Apply Now

What Our Customers Say

Frequently Asked Questions

What Centrelink Payments Are Considered for Car Loans?

We Can Consider Applicants on the following forms of payments:

  • Single Parenting Pension
  • Aged Pension
  • Disability Support Pension
  • Vet Affairs Payments
  • Carers Pension

Please note we can not consider applicants solely receiving Job Seeker, Newstart or Youth Allowance

Can I Get a Pensioner Car Loan for a Private Sale car?
Yes we 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 I Get a Pensioner Car Loan?
We have a whole team which is dedicated to helping customers with bad credit obtain approval for pensioner credit 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 the you the reasons why the bad credit occured and present the circumstances to the lender. We find that doing so gives us a much better chance of obtaining approval.
How Long Does it Take?

Using our online application process it is possible for us to get an answer back to you within 2 business days.