*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.

Let RACV help fund your next trip




Your estimated monthly repayment
$293
  1. 1

    Complete the form

    First we need to know a little about you.

  2. 2

    Get approval

    You will usually know within five working hours of submitting your application. 

  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

    Most applications are assessed within five business hours

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 6.17% p.a.

From 5.84% p.a.

From 5.52% p.a.

From 5.19% p.a.

**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.

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 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