We can get you started on that brand new kitchen, dream outdoor entertaining area, or even get you into your very own swimming pool. You’ll be living in your dream home in no time!

Loans for almost any purpose

new car

Car Loan

A personal loan can be just what you need so you can afford to upgrade to something newer.
money bag

Debt Consolidation

Personal loans are a good option to consolidate your debts and organise finances. There's no better time to get control of your finances than now.
house needing repairs

Home improvements

If you've got an endless list of DIY home improvement projects you can't wait to start but can't quite afford, a personal loan can be a great way of bringing your projects to life.


Holiday or travel

Are you looking for a well-earned getaway? A personal loan can help you afford the holiday you really want.

Why get a home improvement loan with RAC Finance?

  • RAC Finance does pre-approvals
  • Competitive interest rates with no monthly or ongoing fees. None.
  • Fast 7 working hour approval*
     - Between Monday and Friday, 8.30am to 5.00pm. Cheques available within 24 hours of approval.*
  • Fixed interest rate
     - Rate is fixed for the term of the loan so your repayments remain the same, even if official rates increase.
  • Flexible loan terms from 3 to 7 years
  • Flexible repayment options
     - Monthly or fortnightly by BPAY, direct debit, cash, cheque or at an RAC Member Service Centre.

* Applications subject to RAC Finance Limited lending criteria. Fees and charges are payable. Funds available via cheque within 1 working day provided that approved customers supply required documentation to RAC Finance by midday on any working day. Terms and conditions apply. Australian Credit Licence 387972

View useful RAC Finance documents regarding your loan.