Why consolidate your debts with RAC Finance?

Here’s just a few of the benefits


Competitive fixed interest rates from 5.45% p.a.

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


No ongoing fees

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


Sign your loan contract easily online

Quick, easy digital signing option.


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.

Fixed interest rates from only 5.45% p.a.

Loan amount Interest rates Comparison rate2
Secured loans
$8,000 - $14,999 8.25% p.a. 10.27% p.a.
$15,000 - $24,999 6.75% p.a. 7.52% p.a.
$25,000 - $44,999 5.95% p.a. 6.36% p.a.
$45,000 and over 5.45% p.a. 5.86% p.a.
Unsecured loans
All unsecured loans 13.00% p.a. 15.07% p.a.

There are no monthly account-keeping fees with RAC Finance. A one-off establishment fee of $299^ plus an $8.00 Personal Properties Securities Registration (PPSR) fee may apply. An early termination fee of $225 may apply if a loan is paid out in the first 24 months.

Get a quote & apply

Calculate your repayments and apply to consolidate your debts with a loan from RAC Finance.

Frequently asked questions

1Applications 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 electronic signing the following business day and the funds will be processed by BPAY or EFT – 24-48 hours from settlement. Time frames may vary depending on your bank. Terms and conditions apply. Australian Credit Licence 387972. View useful RAC Finance documents regarding your loan.

2Loan 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.

This information may be regarded as general advice. That is, your personal objectives, needs or financial situation were not taken into account when preparing this information. Accordingly, you should consider its appropriateness, having regard to your own objectives, financial situation and needs before acting on it.