Home - Personal Loans

Simple Personal Loans

Get What You Need the Hassle Free Way with

Responsive Lending

Loans from $5,000 to $120,000

Rates from 6.75%* APR

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Getting a quote from us is cost and obligation free.

* 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.

Simple Personal Loans

Get my Quote

Loans from $5,000 to $120,000*

Rates from 6.75%* APR

Whether you're after a loan for a Holiday, Jet Ski, Renovations or something else, Responsive Lending makes it easy*.

We work for you, comparing over 40 lenders to match you with a lender that will get you the best personal loan interest rate for your circumstances.

With us, you apply once...we do the rest!

Getting a quote with us is cost and obligation free.

* Subject to verification, affordability & suitability

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.

Specialised
Personal Loan Solutions

Travel Loans

Let us be your financial co-pilot and take off to your next dream destination*!

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Jetski Loans

Responsive Lending can help you jet set towards your very own jet ski*.

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Home Renovation Loans

Responsive Lending can help with easy and quick finance for home renovations*.

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* Subject to verification, affordability & suitability

Why a Responsive Lending Personal Loan?

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.

Great Low Rates

Our rates start from 5.89% 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 in less than 5 days.

Paperless Application

Our application process can be done completely online. Upload and sign your documents directly from your phone or computer.

Soft Credit Touch

Requesting a quote with us does NOT affect your credit score or leave an enquiry.

Personalised Service

Our team of finance brokers are all Aussie based and work with you until your loan settles.

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Personal Loan Repayment Calculator

See What Our Customers Think

3 Steps to Your New Personal Loan

Step 1

Use our online application form to apply for your personal 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.

Step 2

Speak to our team. Our team will call you to discuss your requirements and get to work to match you with the best lender for your circumstances.

Step 3

Once 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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3 Steps to Your New Personal Loan

Step 1

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

Step 2

Speak to our team. Our team will call you to discuss your requirements and get to work to match you with the best lender for your circumstances.

Step 3

Once 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.

Get my Quote

Frequently Asked Questions

What does Credit History mean?

Excellent = 800 - 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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What CAN l 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 l use a Personal Loan for?

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

What do your interest rates start at?

Our personal loan interest rates vary depending on your credit history, credit score, assets and liabilities. Our rates start as low as 5.59%, 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 and/or Centrelink Income Statement
Last 90 days bank statement
If Visa holder, we require your current Australian Residency Identification (VEVO) check

Do you perform 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 get a loan for Debt Consolidation?

Unfortunately, we are unable to assist with debt consolidation loans.

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Simple Personal Loans

Simple Personal Loans

Specialised​Personal Loan Solutions

Travel Loans

Jetski Loans

Home Renovation Loans

Why a Responsive Lending Personal Loan?

40+ Lenders

Great Low Rates

Fast Approvals

Paperless Application

Soft Credit Touch

Personalised Service

Personal Loan Repayment Calculator

Personal Loan Repayment Calculator

See What Our Customers Think

3 Steps to Your New Personal Loan

Step 1

Step 2

Step 3

3 Steps to Your New Personal Loan

Step 1

Step 2

Step 3

​​Frequently Asked Questions

You may also be interested in...

Specialised
Personal Loan Solutions

Frequently Asked Questions