At RACQ, getting a personal loan for a car, holiday, home renovations or many other purposes is quick and easy.

You can also get a pre-approved loan, so you can bargain knowing exactly how much you have to spend.

Once your application is approved, drop into your local RACQ branch, sign the documents and we'll arrange the funding of your loan. 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.

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

Apply now

Apply for your RACQ personal loan now or call 1300 361 316 to apply over the phone.

Member discounts

As an RACQ member you'll receive an interest rate reduction from our standard non-member rates. The longer you've been a member, the lower your interest rate!

Membership loyalty level

Blue

Bronze

Silver

Gold

Gold 50

Interest rate reduction

0.25%

0.50%

0.75%

1.00%

1.25%

Discount interest rates on personal loans are just one more great reason to belong to RACQ. Not an RACQ member? Join RACQ now!

Personal loan features and benefits

  1. Over the phone approval.
    In most cases our professional and helpful staff will advise you of the outcome of your application within 24 hours.

  2. Low fees
    Our personal loans have no monthly fees.

  3. Easy monthly or fortnightly repayments
    RACQ Finance makes repaying your loan easy with a monthly or fortnightly direct debit facility. You can make extra repayments at any time.

  4. Pre approval
    We can pre approve your loan so you know in advance how much you have to spend.

  5. Fixed interest rates
    With fixed interest rates you know exactly how much your repayments are going to be over the entire term of the loan.

Apply now for an RACQ Finance personal loan or call 1300 361 316.

Credit protection

We offer customers the option of credit protection, which will continue to make your loan repayments should you be unable to due to illness, injury or unemployment. In the event of your death, your loan will be fully paid out.1

Autosure Protection

You also have the option of Autosure Protection. This will protect you if your vehicle is a total loss through accident or theft and your comprehensive motor vehicle insurance does not cover the balance of the finance still owing.1

1 Conditions apply.

Please read the relevant policy disclosure statement carefully before deciding to purchase these products. Credit Protection and Autosure are provided by St Andrew's Life Insurance Pty Ltd. ABN 98 105 176 243. 

 

*Conditions, fees and charges apply. Rate subject to change without notice. The special interest rate is not available in conjunction with other offers or discounts. If other applicable offers or discounts on the standard applicable RACQ interest rate produce a rate lower than the special interest rate, the lower rate will be offered.

^Comparison rate calculated on a loan amount of $30 000 secured over a term of five 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 (pdf 42kb) is available online. Finance is provided by R.A.C.V. Finance Ltd and is subject to R.A.C.V. Finance Ltd lending criteria ABN 82 004 292 291.