A man steering an orange speed boat in the ocean.

Boat loans

Buy your dream boat with our secured boat loan

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Boat loans from 10.69%* (comparison rate 11.42%^ p.a.)

With RACV’s wide range of boat finance options and our handy loan calculator, you can buy your boat sooner.

It's quick, easy and secure to apply and only takes around 10 minutes. All our boat loans come with RACV's 21-day Loan Satisfaction Guarantee^^. 

Apply now or get in touch

Apply online anytime, or contact our team: Monday to Friday, 9am - 5pm.

How it works

  • Apply for loan in about
10 minutes

    Apply online or call 1300 870 922. Have personal details, income, assets and expenses ready. Include boat details if available.

  • Get a response usually within 24 hours

    We'll review the application and get back to you as quickly as possible.

  • Get your funds within 24 hours of approval

    Once approved, we’ll call you to work out the details. When your boat is ready, you should get funds within 24 hours.

Calculate your repayments

Estimate your monthly or fortnightly repayments on your boat loan^.

You can also choose to pay weekly.

Why choose an RACV boat loan?

Fast approval

If successful, you should receive funds within 24 hours of your approval.

Easy to apply

You can apply online or call 
1300 870 922. It's secure and will take around 10 minutes to complete.

Members can save more

Eligible members get lower interest rates when applying directly to RACV, thanks to our Years of Membership Discount.**

No ongoing fees

That means lower monthly repayments for the duration of your loan.

Support every step of the way

Satisfaction guarantee

Our 21-day Loan Satisfaction Guarantee^^ gives you peace of mind.

If you take out a consumer loan with RACV Finance and are not completely satisfied, you can repay the borrowed amount within 21 days and we'll cancel your loan without penalty. We'll also refund any interest and waive fees.

Terms and conditions

* R.A.C.V. Finance Limited ABN 82 004 292 291 Australian Credit Licence No. 391488. RACV Finance is subject to RACV lending criteria. Conditions, fees and charges apply.

RACV Loan terms and conditions | Privacy Charter (includes Credit Reporting Policy) | Dispute Resolution

RACV Finance also provides NRMA Car Loans and RACT Car Loans.

^ Comparison rate calculated on a loan amount of $30,000 secured over a term of 5 years based on monthly repayments. This comparison rate is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts will result in a different comparison rate.

** Years of Membership benefit applies to all consumer loan applications (subject to approval) made directly through RACV. Any loan application introduced through a broker/intermediary will not be able to receive the discount.

^^ If you are not completely satisfied with your RACV Finance personal loan, you can return the full loan amount and, if the loan is paid out and finalised within 21 days from the date the loan was funded RACV Finance will refund all application fees and any interest charged; waive the early termination fee (ETF); and cancel any Consumer Credit Insurance or Shortfall Insurance policy taken out and refund all premiums to the loan, product coverage will cease. The Satisfaction Guarantee is not available in conjunction with commercial loan products, leases or loans introduced by Brokers/Dealers.

485 Bourke St, Melbourne VIC 3000

Read the Target Market Determination (TMD) for more details on:

  • who this product is appropriate for (target market)
  • any conditions around how it can be distributed to customers
  • events or circumstances where we may need to review the TMD for a loan product.

Download the Target Market Determination for RACV Secured Personal Loan (197.5KB).

Frequently asked questions

To apply for an RACV Loan you will need to supply your personal details, including your driver licence number, employment details, assets, liabilities and income. We will verify this information with you later.

Approval times can vary, though trust that we aim to provide an answer on your application as quickly as possible. Usually, once you’ve signed the paperwork, you will receive the funds within 24 hours.

By direct debit or BPAY. Loan repayments will automatically be taken from your chosen bank account every month or fortnight.

We understand anyone can experience financial difficulty. Different life events like illness, losing a job, relationship breakdown or emergency events like natural disasters can cause you to experience financial hardship. Learn more about financial hardship and how RACV can help.

Yes, our Years of Membership Benefits discount** applies to all approved loans made directly to RACV.

Here's the annual discount for RACV new, used or green car loans, based on years of membership:

  • Bronze (5 - 9 years) receive 5% discount on applicable rate
  • Silver (10 - 24 years) receive 10% discount on applicable rate
  • Gold (25 - 50 years) receive 15% discount on applicable rate
  • Gold 50 (50 + years) receive 20% discount on applicable rate

Keep in mind, any loan application introduced through a broker or intermediary will not be eligible to receive the Member discount.

If you're not a Member but end up taking out a car loan with RACV, you'll then have access to a range of member benefits, from discounted tickets to exclusive deals.

Other loan options

Car loans

Explore our finance options for new cars, second hand cars or electric vehicles

Caravan loans

Found the perfect caravan? RACV caravan loans can help you get out on the water sooner.

Travel loans

Plan your next trip with RACV travel loans.

Personal loans

Planning home improvements? Make it a reality with RACV personal loans.