Car loans

RAC Car Loans

Get an INSTANT car loan quote online and have approval within 7 working hours*

With pre-approved RAC Car Loans you’ll have the upper hand when you shop for your new car. Become an RAC member when you apply for your car loan and benefit. It’s easy.

Why get an RAC car loan?

Our car loans have very competitive interest rates.
NO ongoing or monthly fees on your car finance.
Approval within 7 working hours*.
Cheque available within 24 working hours*.
3 to 7 year loan terms.

Get a quote
Apply now

Like 2% p.a. off your interest rate?
All RAC members save 2% p.a. on the standard interest rate, and get a discounted establishment fee. Not an RAC member? Join when you apply for your loan for as little as $29 for an Affiliate membership.


More features and benefits

Flexible repayment options – make repayments monthly or fortnightly
Easy repayment methods – Bpay, direct debit, cash, cheque, or visit an RAC Member Service Centre.
The interest rate is fixed over the term of the loan ensuring your repayments will not increase if official interest rates increase.
Loans from $8,000 for new and used vehicles.
Join RAC when you apply for your loan and the first year’s fees for Roadside Assistance membership can be included in your loan.
Pre-approvals available – know how much you can borrow before you go car shopping!

* Applications subject to RAC Finance Limited lending criteria. Fees and charges payable.
Terms and conditions apply.

Get an online quote
Retrieve an existing quote
Call 131703 for a loan quote

Loan Calculator

Try our loan repayment calculatorSee what your RAC loan repayments will be.

Loan calculator


Special Offer

$50 off any RAC Driving Centre course and $30 off your next car service at RAC Auto Services with every new loan.

RAC website survey