RACV Marine Finance & Boat Loans

Boat loans from 6.49%* (Comparison rate 7.19%^ p.a.)

Your estimated monthly repayment

RACV can help you buy your new boat sooner 

With RACV’s wide range of boat finance options and our handy loan calculator, you can buy your boat sooner. It’s quick and easy to apply and all our boat loans come with RACV’s Satisfaction Guarantee^^. So why wait?  Enjoy RACV’s competitive Marine Finance rates today.  


Why thousands of Victorians get their finance through RACV

  • No ongoing fees

    Which means lower monthly payments on your boat loan.

  • Easy to apply

    Your boat loan application will take 10 minutes – online, over the phone, or in store.

  • Fast approval

    Your boat loan could be approved within five working hours.

  • Years of Membership Benefits apply

    If you're eligible for RACV's Years of Membership Benefits, and apply direct with RACV, enjoy even lower interest rates. This discount also applies to the new car special rate.

  • Savings on boat insurance

    If you finance and insure your boat through RACV, you could access savings of up to 10%* on the cost of your comprehensive insurance for the full term of your boat loan.

  • Satisfaction guarantee

    If you take out a boat 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.

*Savings are only applicable when comparing a comprehensive car insurance quote where the car is used as security by a Secured Finance Company.

Are you an RACV Member?

You could receive an even better rate on your loan depending on how long you have been with us.

Our Years of Membership Benefits discounts

Our Years of Membership Benefits discounts


5-9 years


10-24 years


25-50 years

Gold 50

51+ years
Annual discount available for RACV products





Interest rates

From 6.17% p.a.

From 5.84% p.a.

From 5.52% p.a.

From 5.19% p.a.

RACV Finance features on

Info Choice
Rate City

Three ways to get your new boat sooner

Boat Loan Frequently Asked Questions

What do I need to apply?

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.

How do I make repayments?

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

Do RACV’s Years of Membership Benefits apply?

Yes, 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.

*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. RACV Finance is subject to RACV lending criteria.  R.A.C.V. Finance Limited ABN 82 004 292 291 Australian Credit Licence No. 391488. 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.**RACV Insurance is issued by Insurance Manufacturers of Australia Pty Limited ABN 93 004 208 084 AFS Licence No. 227678. Please consider the Product Disclosure Statement before buying. For a copy call 13 RACV (13 7228).You may be eligible for savings on your premiums. Savings on your car insurance depends on your individual circumstances.

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RACV Marine can provide emergency roadside assistance for your boat, trailer or tow vehicle