Why choose RAC for investments?

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Competitive interest rates

Start investing from just $5,000
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Flexible 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 yours
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Friendly and helpful team

Dedicated team based here in WA, who are friendly, and willing to assist any enquiries you may have
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Simple application and maturity process

Apply online, over the phone, visiting one of our branches or by downloading the application form and submitting via email.
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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 charges
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Trusted and local to WA

We ensure your investments are kept in WA – something that we know is important

For 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 - 3.90% 3.80% 3.80% 3.80%
3 Monthly Interest - 3.95% 3.85% 3.85% 3.85%
6 Monthly Interest 4.10% - - - -
12 Monthly Interest - 4.00% 3.90% 3.90% 3.90%

Interest payment method can be Electronic Funds Transfer or capitalisation* (*capitalisation is not available with monthly or 3 monthly interest frequency).
Interest rates effective from 10 July 2025. Subject to change without notice.

How do I apply?

Financial Reports

Read more on our annual and quarterly reports


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 WA (Inc.) 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 WA (Inc). The Royal Automobile Club of WA (Inc) 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.