Rating based on 18 reviews

RAC Finance

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

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

RAC Finance – We serve Australia

RAC established in 1905 by motor enthusiasts to support the interest of car owners and their first goal was to create maps and road signage in order to make Western Australia safer.

In the next 110 years RAC has grown into a respectable company promoting road safety and these days they sponsor 2 emergency helicopters to use in critical motor vehicle accidents.

RAC creates a safer future

RAC is proud that they are a voice for a million Western Australians. They are currently planning to build the world's first electric highway and driverless shuttle bus. Throughout the years RAC as a company has changed for the better, but our main goal remains the same; we are working to create a safer Western Australia.

We currently offer a range of car and personal loans as an added service to our valuable members. 

RAC gives back to WA

We are a membership organisation and we are able to reinvest profits to serve the community of Western Australia. We pride ourself on being 100% local but we also cover a large part of the automobile club in the world. Our purpose is to serve our members and protect Western Australia.

RAC Finance – Simple loan application online

The Royal Automobile Club in Western Australia is governed by the Associations Incorporations Act 2015 that sets the rules and stipulations of our club rules.

At RAC we don’t have shareholders, only members. This makes it possible for us to reinvest in our community. As a RAC member, you can get access to benefits for over 100 retail partners and benefits in RAC products and services.

Personal loan

Our personal loans can be used for anything from buying a new car for going on holiday. Our loans carry competitive interest rates with no monthly fees.

We give you the freedom to choose your payment terms. Our online application only takes a few minutes to complete and we boast with a fast loan turnaround time.

Why should I get a RAC personal loan?

  • Pre-approvals
  • Competitive interest rates
  • 7-hour quick loan approvals
  • Fixed interest rates
  • Flexible loan terms between 3 and 7 years
  • Flexible repayment options

RAC Finance – Personal loan

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

Benefits of RAC Finance

  • Car loan options available
  • Consolidate your debt
  • Affordable personal loans
  • Online pre-approval

Personal loan calculator

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

RAC – It's more than just a loan

With a RAC personal loan, you get many benefits with your membership.

You can get discount on over 100 retail partners such as fuel, travel, groceries and many more other benefits.

RAC finance

When you get a quote from us it will be valid for 30 days. You can borrow a minimum of $8000 and the maximum amount is set by looking at your personal financial situations. You can choose your loan term that ranges between 3 and 7 years. Once your personal loan has been approved the documents will be available for you to sign at your local membership service centre. If you prefer your loan amount to be paid out by cheque it will be ready for collection when you sign the final loan agreement. If you prefer your loan amount to be paid out into your bank account the funds will be processed within 1-2 working days from the date of signing the loan agreement.

RAC insurance

Alongside our short-term loan products, you can also apply for insurance with RAC. We cover car, pet, life, home, health and travel insurance. Each of these products has their specific benefits for members. By being a RAC member you support the work we do in creating safety on the road as well as the environment. 

Let's look at the factors regarding insurance through RAC

  • Age: if you are over 25 years of age, then your insurance premium will be lower
  • The area you live in: Areas with a lower risk of damage or theft will receive a lower premium
  • Claims record: your insurance premium will be lower if you have an incident fee driving history
  • Car make and model: the type of car that you drive will also influence your insurance premium

Visit our website and apply for a RAC personal or car loan. You will get your loan amount fast and receive added benefits by being a member of our club.

Customer Reviews & Testimonials

Absolutely wonderful client service and personal loan offer from RAC. I am eager to tell others about my wonderful experience.

Megan M
— Gold Coast —

When I needed a bit of extra cash to help pay for a family vacation I was pleased that I went to RAC Finance for a quick and small personal loan. They were happy to assist and their offer had ver...

Garry M
— Newcastle —

RAC Finance Contact

Contact Number


  • not available


Physical Address

Postal Address

  • GPO Box C140, Perth, Western Australia, 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