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Why choose RAC Finance?
Whether you're consolidating your debts or it’s time to refinance your existing car loan, RAC Finance offer loans that are simple, easy to understand and most importantly a really great deal.
Fixed interest rate
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.Quick turnaround
Get your loan pre-approved within 7 working hours.1Sign online with DocuSign
Quick, easy digital signing option.Flexible loan terms
Choose from 3-7 years.Flexible repayment options
Monthly or fortnightly by BPay or direct debit.Get a quote & apply
Calculate your repayments and apply to consolidate your debts with a loan from RAC Finance.
Fixed interest rates from only 7.95% p.a.
Comparison rate 8.52% p.a.
| Loan amount | Interest rates | Comparison rate2 |
|---|---|---|
| Secured loans | ||
| $8,000 - $29,999 | 12.25% p.a. | 12.85% p.a. |
| $30,000 - $49,999 | 10.80% p.a. | 11.39% p.a. |
| $50,000 - $69,999 | 8.95% p.a. | 9.53% p.a. |
| $70,000 and over | 7.95% p.a. | 8.52% p.a. |
| Unsecured loans | ||
| All unsecured loans | 16.50% p.a. | 17.11% p.a. |
There are no monthly account-keeping fees with RAC Finance. A one-off establishment fee of $3991 plus an $8.00 Personal Properties Securities Registration (PPSR) fee may apply. An early termination fee of $400 may apply if a loan is paid out in the first 24 months.
RAC members save more
Become a member when you get RAC Finance
1 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 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.
2 The comparison rates are based on a $30,000 personal secured loan for a five year term. Warning: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts will result in different comparison rates.
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.
