Rating based on 70 reviews



  • Car loans up to $100,000
  • Low-interest starting from 4.99%
  • Repayment up to 60 months

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RACV homepage

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

About RACV

The history of the Royal Automobile Club of Victoria (RACV) began in December 1903 at the Port Phillip Club Hotel.

Ever since its establishment, RACV has been dedicated to promoting and advocating motor cars in Victoria.

Our loan offerings

We offer a five-tar City Club, five resorts and a Country Club and are fully committed to offering professional car loan services and facilities to our members. 

At present, we have 29,000 club members and more than 2 million members.  We have been among the state's most active advocacy bodies especially on matters related to motor education and environmental concerns. 

Our high rate growth

In just over 2 months, the membership base had grown by over 100 people. RACV was established by automobile enthusiasts who pioneered the use of cars and motor cycles for business and recreational purposes in Victoria. Not all 65 founders of the club owned a vehicle, but they were all passionate about the new technology. 

RACV Services

You want to buy the ideal car, but you worry about finding finance? RACV is there to provide the best car loan directly to you.

We offer low-interest rates and flexible repayment terms. We do not charge ongoing fees. You will get to save on RACV car insurance as well.

This is what we do

When you work for obtaining finance with us, you will take the driver's seat much sooner than you think. You simply need to make a loan application online and will make your dream of car ownership a reality. 

Quick approval online

We never leave our customers waiting for long. We provide quick loan pre-approval to give you the greatest bargaining power which you can have.

When you know exactly how much you can spend using your vehicle loan, you will be able to negotiate the best deal with the seller.

RACV Car loan

  • Loan Type Car loans
  • Interest Rate 4.9918% p/a
  • Loan Amount up to $100,000
  • Repayment 12 months to 60 months

Benefits of RACV

  • Get fast online approval
  • You get pre-approved 
  • Affordable loans

RACV Finance Car Loans – Your key to car finance

At RACV Finance in Sydney Australia, you can benefit from getting new vehicle loans from unbelievable rates. 

Need a loan to shop for your dream car?

At RACV we’re committed to offering our car finance and ensuring you get the choice that most accurately fits your needs.

That is why all of our car loans are backed with a no-penalty, twenty-one day Loan Satisfaction Guarantee.

Reasons to Choose RACV:

  • COMPLETE an online loan application and let your dream car become a reality
  • YOU can get quick over the phone approval.
  • We offer pre-approvals so that you'll benefit from the best advantage, knowing precisely what quantity you have got to pay
  • NEW automobile loans from very low rates
  • NO hidden fees
  • APPROVAL in five business hours
  • SAVINGS on RACV Motor Insurance
  • RACV warrantee
  • Loan protection
  • AUTOSURE protection

Apply for your car loan with RACV Finance:

  • Call RACV Finance on 13 15 60
  • Apply online

Once approved we will arrange the settlement details of your fast loan, in the majority of our applications, the cash is in your hands in as little as 24 hours.

With the convenience of direct debit, loan repayments are going to be debited from your banking account every month, week or whatever term you have chosen.

Additional repayments can be made at any stage throughout your loan repayment period.

Satisfaction guaranteed

Should you not be entirely pleased with the personal loan within 21 days, we will refund you with occurring interest. Please note terms and conditions apply.

Our friendly and experienced staff are always on hand to offer you the best possible financial advice and assist you in every way they can.

We want to make your experience in purchasing a vehicle – a simple, easy and quick experience.

No hassles, no endless paperwork, and no un kept promises. We know you will walk away a happy client, and that is our guaranteed service promise.

Customer Reviews & Testimonials

January 2019

An hour after my car loan was approved, I had the cash. Brilliant!

Tim W
— Darwin —

July 2019

You feel so appreciated as a customer. I’m glad I applied for my car loan with them because their service is nothing short of top-class!

Haley A
— Melbourne —

May 2019

Thanks to RACV Finance’s fast approval, I was able to start shopping for my new wheels sooner than I thought.

Kristelle G
— Cairns —

March 2019

Their application process is simple and convenient.

Beau C
— Adelaide —

RACV Contact

Physical Address

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed