Why choose RAC Finance?


Competitive interest rates from 7.80% p.a. (Comparison rate 8.30% p.a.)

Afford your dream car sooner.

No ongoing fees

We won’t charge you any monthly fees on your loan.

Quick turnaround

Get your loan pre-approved within 7 working hours.*

Less Emissions Mission

Get 0.5% p.a. off the interest rate of your car loan when you buy an electric or low emissions vehicle here

Flexible loan terms & repayment options

Choose from 3-7 years, monthly or fortnightly by BPAY or direct debit.

Easy to apply

Apply online, over the phone on 13 17 03 or in person at one of our Member Service Centres.

Get a quote & apply

Calculate your repayments and apply for a loan

Fixed interest rates from only 7.80% p.a.
Comparison rate 8.30% p.a.

Loan amount Interest rates Comparison rate2
Secured loans
$8,000 - $29,999 12.25% p.a. 12.77% p.a.
$30,000 - $49,999 11.05% p.a. 11.57% p.a.
$50,000 - $64,999 8.85% p.a. 9.36% p.a.
$65,000 and over 7.80% p.a. 8.30% p.a.

There are no monthly account-keeping fees with RAC Finance. A one-off establishment fee of $349^ plus an $8.00 Personal Properties Securities Registration (PPSR) fee may apply. An early termination fee of $400 may apply if a loan is paid out in the first 24 months.

Frequently Asked Questions

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What our members say


Extremely Satisfied

The loan application process was extremely fast, and the loan finance team kept me up to date every step of the way. Totally satisfied with the service that RAC provided.


Extremely Satisfied

The staff were super helpful and friendly, the whole process of providing documents was so easy. From start to finish - would highly recommend.


Extremely Satisfied

The application process was very easy and simple. Pre-approval was very quick, and finalisation of the loan was also very quick and to top it off was an awesome interest rate.


Extremely Satisfied

There’s no monthly fees and the interest rate is lower than most places. Also the money goes back into WA rather than anywhere else.


Extremely Satisfied

Super easy process, communication was great, fast service all together. Have already recommended to a friend that is going through a similar situation.

Not right for you?

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

View other loan options

Get into your next ride sooner