Rating based on 40 reviews



  • Car loans up to $100,000
  • Low-interest starting from 5.70%
  • Repayment up to 7 years

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RAC homepage

Author RAC. Screenshot of RAC website. [Accessed September 10, 2021]

About RAC

RAC Vehicle Finance in Australia is definitely no newcomer to the market. With 110 years in the car loan industry, we know what we're doing.

Our services are totally revolved around finding solutions for our clients and offering service delivery that extends further than the norm.

We're proud of our achievements

With one of the largest geographical footprints in the vehicle finance industry, we are proud of our achievements. We have a success rate reaching higher than any other financial firm and have a valued customer base of over 840,000 clients.

A value exceeding market expectations

With a local presence in your area, we are able to minimise the hassles of getting vehicle finance and give you just what you need to drive away in the vehicle you always wanted.

We don’t just provide a service, we invest in our clients. With values exceeding expectations in the market, we strive to be the best in the country, with value-added services and the ability to offer the best vehicle finance options. 

RAC Services

RAC Vehicle Finance in Australia offers fast, convenient vehicle finance to meet the needs of all clients in the country.

Clients have come back to us for their second and third car finance because of our initial top class service they received. Our turnaround times are quicker, our processes are more streamlined, and with the years we have in the industry backing us up, our experience exceeds any other vehicle finance company.

Get pre-approved in just 24 hours!

We can offer vehicle pre-approved finance in less than 24 hours with NO monthly fees! When weighing up our services amongst our competitors, there is no comparison to what we deliver on. Our clients get to pay back their personal loans over 3 to 7 years, making them affordable to everyone earning a monthly wage.

Applicants must:

  • Be 18 years or older
  • Have a valid Australian driver's licence or learner's permit
  • Security registered in Australia at time of loan settlement
  • Permanent resident of Australia
  • Have no bankruptcy for 7 years plus
  • Have a regular weekly or monthly income

RAC Car loan

  • Loan Type Car loans
  • Interest Rate from 5.70%
  • Loan Amount up to $100,000
  • Repayment 3 years to 7 years

Benefits of RAC

  • Fixed interest rates
  • No monthly fees
  • Get pre-approved online

RAC Finance - the Best Car Loan Supplier

Two centuries of experience have allowed us to perfect our systems, our people and our service delivery to our clients.

RAC will get you the car finance you need when you need it! To get approved quickly, clients can ensure the information they provide is accurate – shortening the time frame in which our consultants will get back to you with your pre-approval.

The fastest way to get vehicle finance

RAC doesn’t charge any service fees – we are here to see our clients moving forward. We get satisfaction when we see the smiles on your face when you hear we have a super quick loan for you!

The interest rate on your vehicle finance will depend on specific criteria involving how much you borrow, the time period you choose to pay it off, and the loan type.

We will always go the extra mile for you

With vehicle finance, security may be needed for a secured personal loan. Clients can use their new vehicle as security on this type of loan.

There are also unsecured options, where you do run less risk of losing anything should you default your repayments. This is usually offered with much lower loan amounts.

Ready to apply?

To apply for a loan online, all you need to do is to complete the quote request form on our website. Submit and one of our consultants will be in contact with you to discuss your options.

Customer Reviews & Testimonials

April 2019

I don’t think I could’ve found a lower rate for my car loan. Thank you RAC Finance; you are awesome!

Tara M
— Melbourne —

April 2019

Thanks to their personalised service, the journey to getting my car loan wasn’t stressful because they were 100% available, which was extremely helpful for me because this was my first time takin...

Michelle M
— Cairns —

April 2019

Applying was a painless experience and I didn’t have to wait very long for a consultant to contact me to discuss my car loan.

Prudence O
— Perth —

April 2019

I hate being kept waiting for a decision on my loan application which is why I prefer RAC Finance because they don’t keep you waiting. A day is all it took for them to get back to me.

Thomas A
— Darwin —

RAC Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday 08:00 – 12:00
  • Sunday – Closed