Planning a trip to see more of our beautiful country? RACV can help you buy your new caravan sooner.
We can tailor a caravan loan to your term, amount and deposit needs so you can buy your new caravan and hit the road.
It’s quick, easy and secure to apply and only takes around 10 minutes. All our loans come with RACV's 21-day Loan Satisfaction Guarantee^^.
^Important information about the comparison rate.
Apply online anytime, or contact our team: Monday to Friday, 9am - 5pm.
Apply online or call 13 15 60. Have personal details, income, assets and expenses ready. Include caravan details if available.
We'll review the application and get back to you as quickly as possible. Pre-approval available before you decide on your caravan.
Once approved, we’ll call you to work out the details. When your caravan is ready, you should get funds within 24 hours.
Estimate your monthly or fortnightly repayments on your caravan loan^.
You can also choose to pay weekly.
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.
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:
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.
Basically, a balloon payment is an agreed lump sum you'll pay at the end of your car loan's term. This larger payment at the end of your vehicle's financing term will reduce your monthly repayments in the meantime.
Keep in mind, a balloon payment includes the lump sum plus interest.
Yes you can make additional repayments, but keep in mind you may be charged an early termination fee if your loan is repaid in full before the end of the agreed loan term.
There are no ongoing fees with RACV loans. Your potential fees include:
Explore our finance options for new cars, second hand cars or electric vehicles
Found the perfect boat? RACV boat loans can help you get out on the water sooner.
Plan your next trip with RACV travel loans.
Planning home improvements? Make it a reality with RACV personal loans.
*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 Privacy Notice and Statement of Notifiable Matters | Privacy Charter (includes Credit Reporting Policy) | Dispute Resolution
RACV Finance also provides RACT Car Loans.
^ 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 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.
^^ 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 and waive the early termination fee (ETF). The Satisfaction Guarantee is only available with personal loans purchased directly from RACV Finance.
** Years of Membership benefit applies to all consumer loan applications (subject to approval) made directly through RACV for Bronze, Silver and Gold Members. Any loan application introduced through a broker/intermediary will not be able to receive the discount.
A Target Market Determination is a document which describes who a product is appropriate for (target market), and any conditions around how the product can be distributed to customers. It also describes the events or circumstances where we may need to review the Target Market Determination for a loan product. View the Target Market Determination for RACV Secured Personal Loan (197kB), RACV Unsecured Personal Loan (184kB), and RACV Green Car Loan (PDF 194kB).