Why choose RAC for investments?
Competitive interest rates
Start investing from just $5,000Flexible investment terms
Flexibility to invest between 6 months and 4 years with interest paid monthly, quarterly, every 6 months or 12 months – the option is all yoursFriendly and helpful team
Dedicated team based here in WA, who are friendly, and willing to assist any enquiries you may haveSimple application and maturity process
Apply online, over the phone, visiting one of our branches or by downloading the application form and submitting via email.Transparent investment options
We pride ourselves on being open, honest, and transparent to our members who choose to invest with us with no hidden fees or chargesTrusted and local to WA
We ensure your investments are kept in WA – something that we know is importantFor investments greater than $400,000 please contact us directly on 1300 785 035. View the current RAC Finance Prospectus and Finance Target Market Determinations.
Choose a term that works for you
| 6 Months | 1 Year | 2 Years | 3 Years | 4 Years | |
|---|---|---|---|---|---|
| Monthly Interest | - | 5.00% | 5.10% | 4.85% | 4.85% |
| 3 Monthly Interest | - | 5.05% | 5.15% | 4.90% | 4.90% |
| 6 Monthly Interest | 4.85% | - | - | - | - |
| 12 Monthly Interest | - | 5.10% | 5.20% | 4.95% | 4.95% |
How do I apply?
Financial Reports
Read more on our annual and quarterly reports
RAC Finance Interim Financial Report 31 Dec 25 (PDF 1.01MB)
RAC Finance Annual Financial Report 30 June 25 (PDF 2.02MB)
RAC Finance Interim Financial Report 31 Dec 24 (PDF 982KB)
RAC Finance Annual Financial Report 30 June 24 (PDF 5.7MB)
RAC Finance Interim Financial Report 31 Dec 23 (PDF 1MB)
RAC Finance Annual Financial Report 30 June 23 (PDF 1.26MB)
RAC Finance Interim Financial Report 31 Dec 22 (PDF 529KB)
RAC Finance Annual Financial Report 30 June 22 (PDF 2MB)
RAC Finance Interim Financial Report 31 Dec 21 (PDF 375KB)
RAC Finance Annual Financial Report 30 June 21 (PDF 2.53MB)
RAC Finance Interim Financial Report 31 Dec 20 (PDF 510KB)
RAC Finance Annual Financial Report 30 June 20 (PDF 2.36MB)
RAC Finance Interim Financial Report 31 Dec 19 (PDF 1.19MB)
RAC Finance Annual Financial Report 30 June 19 (PDF 2.7KB)
RAC Finance Quarterly Directors Report 30 Jun 26 (PDF 640KB)
RAC Finance Quarterly Directors Report 31 Mar 26 (PDF 487KB)
RAC Finance Quarterly Directors Report 31 Dec 25 (PDF 634KB)
RAC Finance Quarterly Directors Report 30 Sep 25 (PDF 483KB)
RAC Finance Quarterly Directors Report 30 Jun 25 (PDF 771KB)
RAC Finance Quarterly Directors Report 31 Mar 25 (PDF 510KB)
RAC Finance Quarterly Directors Report 31 Dec 24 (PDF 741KB)
RAC Finance Quarterly Directors Report 30 Sep 24 (PDF 551KB)
RAC Finance Quarterly Directors report 30 Jun 24 (PDF 733KB)
RAC Finance Quarterly Directors report 31 Mar 24 (PDF 734KB)
RAC Finance Quarterly Directors report 30 Dec 23 (PDF 661KB)
RAC Finance Quarterly Directors report 30 Sept 23 (PDF 804KB)
RAC Finance Quarterly Directors report 30 June 23 (PDF 533KB)
RAC Finance Quarterly Directors report 30 March 23 (PDF 813KB)
RAC Finance Quarterly Directors report 30 Sept 22 (PDF 608KB)
RAC Finance Quarterly Directors report 30 Jun 22 (PDF 604KB)
RAC Finance Quarterly Directors Report 30 March 22 (PDF 2.2MB)
RAC Finance Quarterly Directors Report 31 Dec 21 (PDF 702KB)
RAC Finance Quarterly Directors Report 30 Sept 21 (PDF 485KB)
RAC Finance Quarterly Directors Report 30 Jun 21 (PDF 595KB)
RAC Finance Quarterly Directors Report 31 Mar 21 (PDF 458KB)
RAC Finance Quarterly Directors Report 31 Dec 20 (PDF 454KB)
RAC Finance Quarterly Directors Report 30 Sept 20 (PDF 594KB)
RAC Finance Quarterly Directors Report 30 Jun 20 (PDF 455KB)
RAC Finance Quarterly Directors Report 31 Mar 20 (PDF 443KB)
RAC Finance Quarterly Directors Report 31 Dec 19 (PDF 444KB)
RAC Finance Quarterly Directors Report 30 Sept 19 (PDF 360KB)
RAC Finance Quarterly Directors Report 30 Jun 19 (PDF 473KB)
RAC Finance Quarterly Directors Report 31 Mar 19 (PDF 442KB)
Investments FAQs
The interest rates offered on our RAC Finance Secured Note Investment are fixed interest rates. For investments greater than $400,000, please contact us directly on 1300 785 035.
You will receive a maturity instruction form in the mail 3 weeks prior to when your RAC Finance Secure Note Investment matures.
You will then be able to instruct us if you are looking to renew or change your RAC Finance Secure Note Investment or if you would like to redeem all or part of your funds.
The maturity date is when the fixed term of your RAC Finance Secured Note Investment ends.
You can view your RAC Finance Secured Note Investment details online through our RAC Finance Account View Portal. Simply login to myRAC and use your RIM (customer) number to log.
Alternatively, you can contact RAC Finance to discuss your investment on 1300 785 035.
Continuous Disclosure
Minimum application $5,000.00. Secured Note Investments issued by RAC Finance are not a bank deposit, are not guaranteed by RACWA Holdings Pty Ltd or The Royal Automobile Club of W.A. Limited and carry risks including possible loss of some or all of the principal investment or interest. Details relating to investments issued by RAC Finance are contained in the RAC Finance prospectus which you should consider when making your decision whether to invest. Applications can only be made on the application forming part of the prospectus. Interest rates are subject to change without notice.
RAC Finance is a wholly owned subsidiary of RACWA Holdings Pty Ltd which in turn is wholly owned by The Royal Automobile Club of W.A. Limited. The Royal Automobile Club of W.A. Limited and RACWA Holdings Pty Ltd do not guarantee your investment but they are committed to RAC Finance’s role as a financier. RAC Finance Limited* ABN 77 009 066 862.