Rating based on 21 reviews

RAC Finance

  • Debt consolidation loans up to $100,000
  • Low-interest starting from 6.20%
  • Repayment up to 7 years

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Author RAC Finance. Screenshot of RAC Finance website.
[Accessed April 12, 2018]

RAC - Everything you need from one company

For over a century, the Royal Automobile Club of Western Australia has been operating to service one million clients within the greater community.

Covering one of the largest geographical regions of an automobile club, our purpose has always been to serve our clients in order to safeguard and enhance the WA Community.

We do much more

Most people think just because we’re a part of the automobile club, all we assist our clients with is vehicle finance. We do more than just this as we want to ensure we can provide as much convenience for our customers as possible.

Our current service offering includes:

  • Financial assistance such as debt consolidation
  • Insurance
  • Roadside assistance
  • Travelling
  • Home security
  • Car servicing and repairs

We go the extra mile for our clients

No request is too big for us to take on whether you need to consolidate your debt or take our insurance cover. If we not able to assist you, our team will be sure to point you in the direction of someone who can assist.

With our vision of wanting to be the most valued organization within Western Australia by 2020, we’ll go above and beyond what is expected of us to ensure we maintain high levels of customer satisfaction.

Sign up today

If you’re ready to sign up with us today for one of our memberships, reach out to our team. As every employee has been given training on our entire portfolio, they’ll be able to assist you across portfolios.

The following memberships are available.

  • Roadside assistance
  • Insurance
  • Reward membership
  • Free child membership
  • Road ready
  • Finance

RAC Finance – Consolidation loan

  • Loan Type Debt consolidation loans
  • Interest Rate from 6.20%
  • Loan Amount up to $100,000
  • Repayment 3 years to 7 years

Benefits of RAC Finance

  • Fast loan approvals
  • Choose the loan term
  • Flexible repayment terms
  • No monthly account fees.

RAC - We offer so much more

Part of what we do within our financial portfolio is to assist our clients with money management.

We understand sometimes life can get tough and some months are more expensive than others. This is why we have a dedicated finance team on standby to assist with any financial questions you may have.

Manage your money better

Staying on top finances can be hard and we understand that. We know that when life happens there's a need to tap into your savings accounts and even credit cards to get by. With our no judgment policy, our team can assist you in getting back on track with your finances.

Whether you’re looking to refinance your car or consolidating your debt, we offer our clients loans which are simple and easy to understand. There’s a variety of ways in which we can assist you, one of which is through our debt consolidation services. By bringing all your debts under one umbrella, you’ll never have to worry about forgetting a payment again.

Requirements for debt consolidation

If you want to apply for a debt consolidation loan, here are our requirements:

  • The loan amount is between $8000 - $100 000
  • Your repayment period is between 3 - 7 years
  • Loan establishment fee of $275
  • The termination fee of $225 if your loan is paid out within the first 2 years of your contract

Once you’ve completed your online loan application, a loan assessor will reach out to you within 7 working hours. When you get your pre-approval, complete the necessary documentation and get it back to us, we’ll be able to finalize your loan.

The availability of funds

Depending on your preferred method of receiving your loan, this will determine the turnaround time for you to gain access to the money. If you wish for us to make an electronic payment, your money will become available within 24 - 48 hours after you’ve signed your documentation and we’ve processed it. If you prefer a cheque, this will be available for collection from your nearest member service centre.

Get a loan for just about anything

Whether you’re looking to get yourself a new car, make improvements on your home or plan a holiday overseas, we’ve got you covered. With our wide service offering, we’re able to assist our clients with short-term loans for just about anything they need. Get in contact with one of our experienced consultants today to discuss your needs.

We’ve got you covered with our insurance portfolio

To ensure our clients are able to go about their normal lives without having to worry about insurance, we’ve extended our portfolio to offer numerous insurance packages.

Our current offering includes:

  • Car insurance
  • Pet insurance
  • Life insurance
  • Health insurance
  • Home insurance
  • Travel insurance

RAC member benefits

As a member of RAC, you’ll get access to great deals within our service offering. We want our clients to be able to save on any transaction they make. Our exclusive deal finder has been put together to assist Western Australian consumers who are RAC members to find the best possible deals on everyday items. Whether you’re looking to travel, put gas in your car, entertain guests or even go out for dinner, get a quick cash loan or a car loan we will help you find the best deal.

The beauty of our business model is, everyone, wins! Not only are you able to get assistance but we have a way in which your children can also benefit from this too. With the children free membership, not only can they learn about the rules of the road and road safety but they’ll also benefit from our rewards program.

Contact the Royal Automobile Club today

Our team has gone through extensive training to assist customers across the various channels. Contact one of our trusted consultants to discuss your needs and take the first step to become a member of the Royal Automobile Club today.

Customer Reviews & Testimonials

February 2019

The team at RAC Finance are absolutely brilliant!

Indiana H
— Gold Coast —

March 2019

They were willing to listen to me as I explained my situation. That made me feel like they truly cared about helping me overcome my debts.

Spencer M
— Melbourne —

RAC Finance Contact

Contact Number


  • not available


Physical Address

Postal Address

  • GPO Box C140, Australia, WA, 6839, Australia

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed