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Some things are better together
With an RACV Debt Consolidation loan you can roll all your debts into one simple loan and pay them off with one easy monthly repayment. It’s a great solution if you would like to consolidate debt and regain control of your personal finances as fast as possible.
It’s quick and easy to apply and all our loans come with our Satisfaction Guarantee^^. Why wait? Apply online now.
Why thousands of Victorians get their loan through RACV
No ongoing fees
Which means lower monthly payments for you
Easy to apply
Your loan application will take 10 minutes – online or over the phone
We’ll work as quickly as possible to provide an answer on your application following submission
Years of Membership Benefits apply
If you are eligible for RACV’s Years of Membership Benefits**, and apply direct with RACV, enjoy even lower interest rates.
We know you’re getting a great deal on your loan but it’s important you are sure too. That’s why we offer a 21-day Loan Satisfaction Guarantee^^. If you take out a 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 any fees.
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 and RACV Unsecured Personal Loan.
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.
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 eligible to receive the discount.
Become a Member and view all available discounts in one place
**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.
*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.