^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.

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Your estimated monthly repayment
$293
  1. 1

    Complete the form

    First we need to know a little about you.

  2. 2

    Get approval

    We'll work as quickly as possible to provide an answer on your application following submission. 

  3. 3

    Secure your funds within 24 hours

    Once your paperwork is completed, in most cases the money will be sent within 24 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.

  • Fast approval

    We'll work as quickly as possible to provide an answer on your application following submission.

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

Bronze

5-9 years

Silver

10-24 years

Gold

25-50 years

Gold 50

51+ years
Annual discount available for RACV products

5%

10%

15%

20%

Interest rates

From 5.69% p.a.

From 5.39% p.a.

From 5.09% p.a.

From 4.79% p.a.

What do I need to apply?

You will need to supply your personal details, including your driver's licence number, employment details, assets, liabilities and income. We will verify this information with you later.

How long does approval take?

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.

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.

Save more with RACV

**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. 
 

*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. 

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