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      my car

      car loans

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        key in car

        Thinking of buying your dream car? With low rates, no ongoing fees, savings on RACV Car Insurance and 24-hour fast approval RACV Finance will have you in the drivers seat in no time. Apply online now and make your dream car a reality.

        You can get fast over the phone approval. We also provide pre-approvals so that you can bargain to your best advantage, knowing exactly how much you have to spend.

        Once your application is approved, simply drop into your local RACV Shop, sign the documents and pick up your cheque. It's that easy. For your convenience we can also organise your settlement by mail. For most loans the money can be in your hands in as little as 24 hours.

        car loan rates from 9.50%* p.a. (comparison rate 9.84%^p.a.)

        Find out about our car loans:

        features of our car loans

        Savings on RACV Motor Insurance When you take out an RACV Car or Personal Loan you may receive a saving on your annual  RACV Comprehensive Car Insurance during the term of your loan.
        No ongoing fees Our loans do not have any ongoing fees.
        Approval within 24 hours In most cases our speedy approval process will take no longer than 24 hours.
        Loan protection cover Credit Protection is an optional cover that will pay your loan repayments if you are unable to work because of illness, injury or unemployment. Credit Protection will also protect your estate from repayment of the loan in the unfortunate event of a death (conditions apply).
        Autosure protection In the event of an accident and your car being declared a total loss, and if the comprehensive motor vehicle insurance payout does not cover the balance of the finance still owing, you are liable for the shortfall, which could be thousands of dollars. Autosure Protection will protect you against this by covering the loan balance still owing to your finance provider if the payout from your insurance company is not sufficient to cover your remaining balance.

        apply for a loan

        For an RACV Car Loan, you can:

        upon approval of your personal or car loan application

        Once your application is approved, simply drop into your local RACV Shop, sign the documents and pick up your cheque.

        how to make repayments

        With the convenience of direct debit, loan repayments will be automatically debited from your nominated bank account each fortnight or month. Extra repayments can be made at any stage during your loan via Bpay.

        personal and car loans fees, terms and conditions

        Principal and interest payments only .

        All applications are subject to RACV Finance lending criteria.

         Business Car Loans

        RACV Finance now offers business car loans call 13 15 60  for more information.

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        *Conditions, fees and charges apply. Rate subject to change without notice. ^Comparison rate calculated on a loan amount of $30,000 secured over a term of 5 years based on monthly repayments. WARNING: This comparison rate applies only to examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw or early repayment fees and cost savings such as fee waivers are not included in the comparison rate, but may influence the cost of the loan. A comparison rate schedule  is available at any RACV Shop or online at racv.com.au. Subject to RACV lending criteria. The special interest rate is not available in conjunction with other offers or discounts. If other applicable offers or discounts on the standard applicable RACV Finance interest rate produce a rate lower than the special interest rate, the lower rate will be offered.