Low interest rates and no monthly fees

Loan amount Interest rates Comparison rate*
$45,000 and over 6.70% p.a. 7.12% p.a.
$25,000 - $44,999 7.20% p.a. 7.83% p.a.
$15,000 - $24,999 8.00% p.a. 8.77% p.a.
 $8,000 - $14,999 9.50% p.a. 11.53% 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.

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
  • Quick turnaround
  • Competitive fixed interest rates
  • Choose from a 3-7 year loan term
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 bankTerms 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.