Rating based on 18 reviews

RAC Car Loans

  • Car loans up to $100,000
  • Low-interest starting from 6.2%
  • Repayment up to 7 years

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RAC Car Loans homepage
Author RAC Car Loans. Screenshot of RAC Car Loans website.
[Accessed May 2, 2023]

RAC Car Loans - Quality loans

Should you be considering investing or perhaps thinking of taking a Loan, RAC Finance is able to assist.

They offer car and personal loans as well as investment notes and property development finance, their products are reasonable and their range is quality.

Product benefits

There are no monthly fees on your loans, they offer a 7 working hour approval, competitive interest rates, you get to choose the period of your repayments between a 3 and 7 year period and funds are available within 24 working hours.

How do you apply?

You are able to apply for a loan online or you could speak to one of their professional consultants at their Contact Centre on 131703, you are also most welcome to pop into a Member Service Centre.

A RAC personal loan

Apply online for a speedy turnaround loan, with a local WA brand you can trust, a car loan with RAC

Finance can be used for whatever your need may be, they are able to lend you just about an amount of cash and they offer great rates with flexible payment terms that will suit your requirements. Their interest rates are competitive and they charge no monthly fee.

They have the best financing deals

If it’s a loan or for a car new or second hand you are looking for or maybe refinancing, RAC offers nippy, simple to understand vehicle loans.

It doesn’t matter which sort of loan you want, they really do offer the best deal available

What are the criteria’s?

It is necessary to be 18 years of age or older, you need to hold a valid Australian drivers licence or a learners permit, provide an Australian Citizen or be a permanent resident and reside in WA, that you have been free from bankruptcy for the last 7 years, your social security is to be registered in WA at the time of loan settlement and last but not least you need to earn an income.

How long will it take?

Should you be pre-approved and your application has been completed and submitted and all relevant documentation is received by RAC before noon on a business day, one of their loan advisors will contact you within 7 working days.

Fund transfers normally take between 24 – 48 hours after all documentation has been signed.  Should you prefer a cheque it can be available for collection at your choice of Member Services Centres, your long or short-term loan documents can be signed at any one of otheirMember Services Centres the following day.

RAC Car Loans – Car loan

  • Loan Type Car loans
  • Interest Rate 6.213.5% p/a
  • Loan Amount up to $100,000
  • Repayment 3 years to 7 years

Benefits of RAC Car Loans

  • No monthly fees
  • Get pre-approved online
  • Fixed interest rates

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This car loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

RAC - Apply online for a speedy turnaround loan

Their quick loans offer fantastic membership benefits by means of discounts on over 100 retail partners such as fuel, groceries, travel, entertainment and much more!!

Home improvements - Do you have a list of DIY home improvement projects that you can’t wait to get started with?  But these projects cost money, they can assist you in bringing that project to life. 

Holiday or travel -   Are you overworked and need to get away from everything for a while, take a holiday overseas. A weekend away, perhaps you enjoy camping.

RAC Flexi loan

Do you have a growing family and would like to purchase a bigger car that meets your needs? Or perhaps you would like to purchase that new sports car you have been dreaming about and can actually visualise it sitting in your driveway? RAC Flexi loan permits you to borrow the amount that you want to purchase the car, you make reduced payments every month and at the end of your contract you have a final repayment with flexible options. You can decide on keeping the car and pay off the final repayment, you could consider spreading the cost over an additional vehicle loan period or maybe think of selling your car to use the profits to settle your final repayment and start the process over with a new car. With a flexi loan, you take ownership of the car from the moment you purchase the car – giving you the power to control your car purchasing. RAC Car Loan strives to keep their customers happy so they try and make it easier for you. Please feel free to contact one of their consultants who will gladly be of assistance and help you in any way possible.

A RAC Flexiloan will still get you the same service as that of a RAC Car Loan including a personalised APR in order to see your chances of being accepted before applying for your loan with a quote that won’t affect your credit.

Why get a loan with RAC Finance?

  • Fixed interest rate - repayments remain the same for the lifespan of the loan.
  • Flexible loan terms – you have a choice to make repayment between 3 and 7 years
  • Flexible repayment options – You are able to pay every fortnight, month, BPAY, direct debit, cash, cheque or at am RAC Member Service Centre nearest to you.

Debt Consolidation

Perhaps you are feeling the pressure of having to pay credit card debt, store debt, retail debt and on top of that, you still need to pay for school fees, fuel, etc... If you are feeling that pinch, you could consider consolidating your debt.

A debt consolidation gives you the opportunity to settle all your accounts and only have one monthly payment, it’s stress-free and the interest rates are normally lower than any of the other loans. Give them a call today and one of their consultants will assist you.

Customer Reviews & Testimonials

The quick approval allowed me to go beyond with my new car. Road trips ahead thank you RAC Finance!

— Melbourne —

Beyond happy with service.

— Adelaide —

RAC Car Loans Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday 08:00 – 12:00
  • Sunday – Closed