Why choose RAC Finance?

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Competitive interest rates from 6.70% p.a.

Afford your dream car sooner.
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No ongoing fees

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

Get your loan pre-approved within 7 working hours.*
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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
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Flexible loan terms & repayment options

Choose from 3-7 years, monthly or fortnightly by BPAY or direct debit.
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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 6.70% p.a.

Loan amount Interest rates Comparison rate2
Secured loans
$8,000 - $14,999 9.50% p.a. 11.53% p.a.
$15,000 - $24,999 8.00% p.a. 8.77% p.a.
$25,000 - $44,999 7.20% p.a. 7.83% p.a.
$45,000 and over 6.70% p.a. 7.12% 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.

Frequently Asked Questions

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