Marine Finance & Boat Loans

Your estimated monthly repayment

^ 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.

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.  

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. Discount available on applicable rate.





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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 (197.5KB).

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.

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

** 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. 

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

RACV Finance also provides NRMA Car Loans.