Whether you are after a loan for a new or second-hand car, or looking to refinance, RAC offers loans that are quick, simple to understand and, most importantly, a really great deal.

Why choose RAC Finance for your car loan?

Here's just a few of the benefits


Fixed interest rate from 5.45%

Fixed interest rate from 5.45% to get your dream car
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No ongoing fees

We won’t charge you any monthly fees on your loans
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Quick turnaround

Get your loan pre-approved in 7 working hours1 and receive the money fast

Fixed interest rates from only 5.45%

Loan amount Interest rates Comparison rate2
Secured loans
$8,000 - $14,999 8.25% p.a. 10.27% p.a.
$15,000 - $24,999 6.75% p.a. 7.52% p.a.
$25,000 - $44,999 5.95% p.a. 6.36% p.a.
$45,000 and over 5.45% p.a. 5.86% p.a.

There are no monthly account-keeping fees with RAC Finance. A one-off establishment fee of $299^ plus an $8.00 Personal Properties Securities Registration (PPSR) fee may apply. An early termination fee of $225 may apply if a loan is paid out in the first 24 months.

Get a quote & apply

Calculate your repayments and apply for a loan

Frequently Asked Questions

Not right for you?

Considering a different personal loan? Take a look at the other personal loan options

Get into your next ride sooner