Low interest rates and no monthly fees

Loan amount Interest rates Comparison rate*
$45,000 and over 6.20% p.a. 6.58% p.a.
$25,000 - $44,999 6.70% p.a. 7.08% p.a.
$15,000 - $24,999 7.50% p.a. 8.21% p.a.
 $8,000 - $14,999  9.00% p.a. 10.86% p.a.
 All unsecured loans  13.50% p.a.  15.41% p.a.


  • A loan establishment fee of $275
  • An Early Termination fee of $225 if the loan is paid out in the first 24 months of the contract
  • Personal Properties Securities Register (PPSR) $12.60

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.

Why get an RAC loan?

RAC Finance can lend you just about any amount of money at great interest rates. Read more about RAC Finance car and personal loan features and benefits: 


  • No monthly fees on your loan
  • 7 working hour approval*
  • Competitive fixed interest rates
  • Choose from a 3-7 year loan term
  • Cheque available within 24 working hours*

Terms and Conditions
* 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.

Loan comparison rate 
Comparison rates for secured loans between $8,000 and $14,999 and all unsecured loans are based on a $10,000 loan over 3 years. Comparison rates for secured loans between $15,000 and $24,999 are based on a $20,000 loan over 4 years. Comparison rates for secured loans over $25,000 are based on a $30,000 loan over 5 years. The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

View useful RAC Finance documents regarding your loan.