Smarter Personal Loans


Loan Rates from 5.95%*


5 Minute Online Application

Fast Approvals

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100% Obligation Free Preapproval

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Rated 4.9 Stars on Google Local

"I really do recommend Responsive Lending!!!"

Miki M

"Hassle free stress free"

Pam M

"Excellent service and very easy to deal with!"

Raz K

Loan Repayment Calculator

Amount to Borrow:

Amount: $

Loan Length:


Credit History:

Loan Repayments:

$80per week*

Interest Rate: % (Comparison Rate:6.34%)

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 Apply for a Personal Loan?

Minimum Income

Earning at least $650 Per Week
For all personal loan applications you need to be earning at least $650 per week

Currently Employed

Working for a minimum of 6 months
To be eligible for a loan for an personal loan you need have been working for atleast 6 months at the same employer or self employed for 12 months.


Minimum Age

Be Over 18 Years Old
You must be over 18 years old to apply for a Personal Loan.
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Why a Responsive Lending Personal Loan?

Whether your after a loan for a Holiday, Jetski, Renovations or something else, Responsive Lending makes it easy.

What makes us better?

Unlike applying through a bank or a finance company, choosing Responsive Lending for your personal loan gives you the ability to compare over 20 different lenders. We compare Now Finance, Lattitude, Plenti, Moneyplace and many more.

What Can I Use a Personal Loan For?

You can usually use a Personal Loan for any one off purchase. For example, but not limited to, a holiday, jetski, house renovations or a vintage car.

What Can't I Use a Personal Loan For?

You can't use the money for any reoccuring expenses or ongoing payments such as utility bills, school fees or to pay repayments on other loans.

Friendly, Local Customer Service

All of our Personal 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 Personal Loan


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


Speak to our team. Our team will call you to discuss your requirements about the loan.


One you're pre-approved, it's time to sign contracts. In 90% of cases this can be done completely online, saving the need to print out and manually sign documents.

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Let's Get Started

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Frequently Asked Questions

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, but 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 that they have available to lend, so in this respect we can often negotiate great deals with cashed up lenders.
Can I Get a Loan for Debt Consolidation?
Unfortunately we do not assist with debt consolidation loans.
I Have Bad Credit, Can You Help?
Yes we can consider applicants with bad credit for personal loans up to $12,000.
However, we do need to conduct a full assessment to determine eligibility. Please click on apply now to get started.