Personal loans

Consumer loan terms and conditions

Standard agreement terms and conditions.

Consumer loan terms and conditions (PDF 293KB)

Business Use Finance terms and conditions

Standard Business Use Finance terms and conditions.

Business Use Finance terms and conditions (PDF 300KB)

Credit guide

This guide provides you with information about the Licensee and some of the Licensee's obligations.

RAC Finance credit guide (PDF 162KB)

RAC Finance credit reporting policy

This policy sets out how your credit information is used and managed by RAC Finance.

RAC Finance credit reporting policy (PDF 280KB) 

RAC Finance complaint management policy

We're always open to hearing from you, whether it's a compliment, suggestion or complaint.

RAC Finance complaint management policy (PDF 471KB)

Target Market Determinations

View our Target Market Determinations for personal loans, investments and property development finance.

Financial hardship letter

If you’re experiencing financial hardship we may be able help ease the burden. Please submit an application online or call 08 6150 6246 for assistance.

RAC Finance personal loans