Rapid Loans Reviews 37

TrustScore 3.5 out of 5

3.5

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Rated 5 out of 5 stars

Applied for a loan last year and unfortunately was declined but was given steps to reapply at a later stage with the nod that if I were to do said steps, they would approve... voila, applied 6 m... See more

Company replied

Rated 1 out of 5 stars

Went though Driva to get matched with this company, got emails saying “Great news — your personal loan application looks great “ To saying unfortunately they weren’t able to give me a loan Why m... See more

Company replied

Rated 1 out of 5 stars

Absolute scam had 759 credit score then applied now 430 credit score and didn’t even get the loan, they scam refer you to 3 other places Now finance and driver loans even put up a 5k car for the 10k l... See more

Company replied

Rated 5 out of 5 stars

Great service, Assisted me when no one else would. Greatly appreciated. Was given a follow up call before first payments were due, making sure I was happy with dates etc. The lady was very frien... See more

Company replied

Company details

  1. Car Finance and Loan Company

Written by the company

At Rapid, we’re here to help you ‘Unlock the Road Ahead’ with personal and auto loan options that feel straightforward, supportive and designed for real life. Since 2003, we’ve helped more than 50,000 Australians fund what matters most — whether that’s upgrading the car, refreshing the home or planning that dream holiday. Our focus is on flexibility and reliability. We understand that everyone’s circumstances are different, so our auto and personal loan products are built to give you options that fit your needs. Our secure online portal allows you to upload your essential application documents quickly and conveniently, and our team is here to guide you at every step. As a trusted lender with over two decades of experience, we’re proud to support Australians in moving forward with confidence. At Rapid, we make borrowing feel easier and more transparent, so you can focus on the next chapter — wherever the road is taking you.


Contact info

3.5

Average

TrustScore 3.5 out of 5

37 reviews

5-star
4-star
3-star
2-star
1-star

Replied to 69% of negative reviews

Typically replies within 24 hours

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Rated 1 out of 5 stars

had a car loan with them for 3 years…

had a car loan with them for 3 years will not assist with refinance for major repairs required to continue using vehicle (but they damn sure keep taking my money every 2 weeks and expect me to keep it registered and insured even tho it doesnt work) already spoken to their disputes resolution team who are unable or unwilling to help with this situation

23 April 2026
Unprompted review
Rated 5 out of 5 stars

Carmen has been lovely to deal with

Carmen has been lovely to deal with, super quick response to everything I have asked and has been nothing but helpful.

Thanks rapid loans for all your help!

18 March 2026
Unprompted review
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Reply from Rapid Loans

Great to hear Yolanda, thank you for sharing your positive experience with Rapid Loans.

Rated 5 out of 5 stars

Great experience!

Applied for a loan last year and unfortunately was declined but was given steps to reapply at a later stage with the nod that if I were to do said steps, they would approve... voila, applied 6 months later and as promised, loan was approved.

Process was very simple and Carmen and Gemma were very helpful and responsive.

I originally applied through Driva, which added considerable time, but next time applied direct, process took about 2 days and then had the money in my bank that night after signing the contract.

10/10 would recommend.

5 March 2026
Unprompted review
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Reply from Rapid Loans

Hi Joel,
Thanks so much for sharing your experience! While it’s never ideal to be declined at first, we’re glad the steps we provided helped and that your second application went smoothly.

Carmen and Gemma will be delighted to hear your kind feedback, and it’s great to know the direct application made the process quick and easy. We really appreciate the recommendation.

Rated 1 out of 5 stars

Went though Driva to get matched with…

Went though Driva to get matched with this company, got emails saying “Great news — your personal loan application looks great “
To saying unfortunately they weren’t able to give me a loan
Why make statements like that getting people hopes up to be declined
Would give zero stars if I could
It’s not the fact of not getting a loan got one with another lender, it just the down right wrong stay away👍

3 March 2026
Unprompted review
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Reply from Rapid Loans

Hi Lee,
We’re really sorry to hear about your experience and appreciate you taking the time to share your feedback. We understand how frustrating it can feel when your application is not successful.
Setting clear expectations is very important to us, and we’re disappointed to hear we fell short in your case. We’d truly appreciate the opportunity to look into this further and would encourage you to reach out to idr@rapidloans.com.au so our team can respond to you directly.

Rated 1 out of 5 stars

This company is the worst

This company is the worst, they lie regarding internet rates. The customer service is less then par. Do your home work do not use them they are the pits

17 February 2026
Unprompted review
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Reply from Rapid Loans

Hi Dale,
We’re really sorry to hear about your experience and appreciate you taking the time to share your feedback. We understand how frustrating it can feel when expectations around internet rates and customer service aren’t met.
Providing clear information and supportive service is very important to us, and we’re disappointed to hear we fell short in your case. We’d truly appreciate the opportunity to look into this further and address your concerns.
Our IDR team will investigate this and contact you directly.
Thank you again for your feedback, it helps us improve.

Rated 5 out of 5 stars

Had an awesome experience with rapid…

Had an awesome experience with rapid loans. I was after a specific amount and no one else was willing to even give me a chance or anything near to what I was after. Huge thank you to Callum L!

11 February 2026
Unprompted review
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Reply from Rapid Loans

Thank you for sharing your experience Mia! We're so glad everything met your expectations and we were able to assist. It is truly rewarding to hear that you have experienced a positive impact.

Rated 5 out of 5 stars

Great experience

Great experience, in handling the finance side of the loan and quite prompt in answering questions in relation to the loan.

11 February 2026
Unprompted review
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Reply from Rapid Loans

Thank you for your feedback! We are glad you had a great experience and that we could make it as smooth and prompt as possible.

Rated 5 out of 5 stars

Great service

Happy, helpful service
Vanessa was super quick to resolve my issue.
Many thanks

10 February 2026
Unprompted review
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Reply from Rapid Loans

Thank you for taking the time to leave such lovely feedback, and I’m glad we could resolve your issue promptly.

Rated 5 out of 5 stars

Very happy with thier service so far

Very happy with thier service so far. Willing to listen and take into account circumstances, providing the help needed when I was at the end of the line.
Have been punctual and great communication, calling and sending out the necessary confirmations before first repayment.
Highly recommended

11 February 2026
Unprompted review
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Reply from Rapid Loans

Hi Derran!

Thank you very much for your kind feedback. We truly appreciate you taking the time to share your experience.
We’re pleased to hear that we were able to provide the support you needed and that our communication and processes met your expectations. We understand how important it is to feel heard and supported, especially during challenging times.
Your recommendation means a great deal to us, and we look forward to continuing to assist you.

Rated 5 out of 5 stars

Sarah helped me and did everything in…

Sarah helped me and did everything in her power to get me a new car. She was polite and knowledgeable. Would definitely recommend to friends and family.

26 January 2026
Unprompted review
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Reply from Rapid Loans

Love hearing this! Thanks for sharing your positive review, Sarah. Enjoy your new car :)

Rated 1 out of 5 stars

They’re just money hungry and charge…

They’re just money hungry and charge excessive interest. Do not loan from these people.

29 January 2025
Unprompted review
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Reply from Rapid Loans

Hi Anon, sorry you've had a bad experience with Rapid. If you're an existing customer, we may be able to support. Please reach out to customerservice@rapidloans.com.au

Rated 1 out of 5 stars

IM SO ANGRY

IM SO ANGRY! I NEVER ACTUALLY APPLIED FOR A LOAN I MERELY CHECKED THEM OUT I PUT A DEW DETAILS IN THEN NEXT THING THEYRW DOING CREDIT CHECKS, 2 in 2 months. Completely destroyed my credit rating! I’m fuming

18 December 2025
Unprompted review
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Reply from Rapid Loans

Hi Chantell,

Thank you for raising your concerns — we understand how upsetting it can be to see activity on your credit file that you weren’t expecting.

We’ve reviewed our records and can see that multiple loan applications were submitted over a short period, which triggered the credit enquiries you’re referring to.

While we can't discuss individual application details publicly, our customer experience team has emailed you today. We encourage you to reply to the email so we can work through this with you directly.

Thank you,

Rapid Loans

Rated 5 out of 5 stars

100% applied online so easy

Everything was applied online, my contact Lucas.J did an awesome job helping me with consolidation loan. One payment has never been so easy, saving me a few hundred dollars.

16 December 2025
Unprompted review
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Reply from Rapid Loans

Great to hear, thanks for sharing your positive experience Nick.

Rated 5 out of 5 stars

Professional and helpful

The team was professional, helpful, and quick to respond. They explained everything clearly and made the intial process smooth and stress-free. Highly recommend their customer service department.

8 December 2025
Unprompted review
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Reply from Rapid Loans

Great to hear, thank you for sharing the positive feedback David :)

Rated 1 out of 5 stars

Worst company it's like they want you…

Worst company it's like they want you to fail, my circumstances changed less money coming in and rent going up and bad on me but I just couldn't keep up with payments but was still paying something asked for financial hardship one of their employees told me to do that and they wanted me to pay an unbelievable amount up front and then three other payments then back to normal payments, struggling with the fortnightly payment but that was what was offered to me for financial hardship nothing at all like what the employee told me it would be. Don't really listen to what you're saying, I wouldn't recommend to anyone.

5 December 2025
Unprompted review
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Reply from Rapid Loans

Hi Tina, we're sorry to hear you've had a poor experience. We've escalated this feedback to the Loan Management team, and a leader will reach out to you directly tomorrow morning to discuss further and try to reach a resolution.

Rated 5 out of 5 stars

Would recommend Rapid Loans

Would recommend Rapid Loans. Rang me back after my initial enquire really quickly which I didn’t get with 2 other companies I tried to engage with. Professional and friendly first point of contact in Customer Service. Paper work for application pretty straightforward.

4 December 2025
Unprompted review
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Reply from Rapid Loans

Fantastic! Thanks for sharing your positive experience, Melissa.

Rated 5 out of 5 stars

Good process

I thought the whole process of getting the info pack to fill out my loan application was really good. Good customer service.

4 December 2025
Unprompted review
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Reply from Rapid Loans

Thanks Evan, this is great to hear. I hope you continue to have a positive experience with Rapid :)

Rated 5 out of 5 stars

Thoughtful services

Thoughtful services, rang and also sent an email before my first payment is due.

3 December 2025
Unprompted review
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Reply from Rapid Loans

Thanks so much for the positive feedback Pina. Please continue to reach out if you need support.

Rated 5 out of 5 stars

Great service

Great service, Assisted me when no one else would. Greatly appreciated.

Was given a follow up call before first payments were due, making sure I was happy with dates etc. The lady was very friendly & helpful, Over all good experience which is a breath of fresh air 🙂.

Thanks RL.

26 November 2025
Unprompted review
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Reply from Rapid Loans

Thanks for sharing this fantastic feedback Ian, the team at Rapid really appreciates it!

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