Why choose RAC for your next loan?

Here’s just a few of the benefits


Competitive interest rates from 7.95% p.a. (Comparison rate 8.45% p.a.)

Know what your repayments will be with a fixed interest rate.

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Computer graphic

Sign your loan contract easily online

Quick, easy digital signing option.


No ongoing fees

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


Quick turnaround

Get your loan pre-approved in 7 working hours1 and receive the money fast.


Local service

Friendly service from a local, WA member organisation.


Easy to apply

Complete an online quote and apply online, call 13 17 03 or apply in person at one of our Member Service Centres.

Fixed interest rates and no monthly fees

Loan amount Interest rates Comparison rate*
$70,000 and over 7.95% p.a.  8.45% p.a.
$50,000 - $69,999 8.95% p.a. 9.46% p.a.
$30,000 - $49,999 10.80% p.a. 11.32% p.a.
$8,000 - $29,999 12.25% p.a. 12.77% p.a. .


More than just a loan

Your RAC Finance loan comes with great member benefits like discounts on over 100 retail partners such as travel, fuel, groceries, entertainment and more.

Terms and Conditions

*Applications subject to RAC Finance Limited lending criteria. Fees and charges are payable. If the conditions of your loan have been met, the loan contract will be available for signing the following business day and the funds will be processed either via cheque, BPAY or EFT 24-48 hours from settlement. Time frames may vary depending on your bank. Terms and conditions apply. Australian Credit Licence 387972.

Loan comparison rate
The comparison rates are based on a $30,000 personal secured loan for a five year term. Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts will result in different comparison rates.

View useful RAC Finance documents regarding your loan.