Rating based on 78 reviews

RAC Finance


  • Debt consolidation up to $100,000
  • Low-interest starting from 6.20%
  • Repayment up to 7 years

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Author RAC Finance. Screenshot of RAC Finance website. [Accessed September 13, 2021]

About RAC Finance

The car owners who founded RAC were passionate about automobiles and this led them to make a decisive step towards changing the lives of people in Western Australia.

The club has grown and prospered

It all began in 1905 when the Royal Automotive Club was formed. Currently, it has over 750,000 and is among the most active organisations in the local community. It gives road users in the state a voice on all aspects of safety on the road and in the community as a whole.

We offer a wide variety of service

In addition to motoring and travel services, guidance and advice, we provide driver training. Our range of financial products includes insurance, various types of personal loans, and cash emergencies.

We can assist you with financial management and shielding your loved ones and your assets in the best possible way.

RAC Finance Services

With RAC debt consolidation loan we can assist you with managing your money effectively so that you can have a safe and stress-free journey on the road to complete financial independence and stability.

Debts can come from all kinds of sources

The list includes credit cards, store cards and small cash loans with a short repayment term. With a personal loan from RAC, you can consolidate all of these debts into one. You will pay a competitive fixed interest rate. You will have just a single monthly payment to make and it will not change in any way throughout the term of the loan.

This will help you to achieve much better budgeting and to pay off your debt more easily and quickly. The risk of default will be much lower.

You will not have to incur the transaction fees associated with making multiple payments.

RAC Finance Debt consolidation loan

  • Loan Type Debt consolidation
  • Interest Rate 6.209.00% p/a
  • Loan Amount up to $100,000
  • Repayment 3 years to 7 years

Benefits of RAC Finance

  • No hidden fees
  • No monthly account fees.
  • Fast loan approvals
  • Flexible repayment terms

RAC Finance Debt Consolidation – Free yourself from debt

Lower your debt with RAC Finance debt consolidation loans and feel the financial freedom once again.

We know we can make a considerable difference to the management of your budget when you have only one debt to pay off.

With one consolidated loan, you can once again have financial freedom and a budget that stretches a lot further. We can facilitate create a disagreeable state of affairs happier and assist you on the road to managing your debt.

If you're tied down with debt from credit cards, store cards or different loans, debt consolidation will definitely assist with managing your debt for the long term.

Why select a RAC debt consolidation loan?

  • no more interest rates on all the current credit cards you are building up
  • NO additional monthly fees.
  • Fixed-rate = fixed monthly repayments creating an easier budget
  • Save 2% p.a. of your charges per unit

RAC loans - offer a wide range of benefits

  • No hidden fees
  • No monthly account keeping fees.
  • Fast loan approvals - we are able to assist you 7 days a week (Monday to a weekday, 8.30 am to 5.00 pm).
  • Receive the cheque at your convenience within only 24 hours
  • Members get a 2% p.a. off the standard interest rates and receive a reduced institution fee.
  • Choose from a loan term starting from 3 to 7 years.
  • Flexible reimbursement choices - create repayments monthly or fortnightly.
  • Easy ways to pay your instalments - Bpay, direct debit, cash, cheque, or the RAC Member Service Centre.
  • Loans from $8,000 for brand spanking new and used vehicles.
  • Pre-approvals are communicated quickly to our clients once your application is received.

All RAC members save on the annual fees and get a special discounted rate for the initial transaction.

Customer Reviews & Testimonials

April 2019

If you find yourself in need of financial assistance I can assure you that RAC has just the thing for you. They offer a wide variety of financial products for every situation. They were able to h...

Gareth M
— Maitland —

April 2019

RAC offers quick personal loans for any situation; but my personal favourite is their debt consolidation loan option. I was able to repay all of my debts with their snazzy loan. Thanks for the he...

Cathy K
— Richmond —

May 2019

RAC offers anything and everything that you could possibly need. Their car loans are fabulous – I love my new set of very affordable wheels!

Manfred G
— Sydney —

May 2019

The RAC do not just care about making a quick buck; they care about the wellbeing and safety of their customers. When you are borrowing from them you know that you are in good hands.

Sandy M
— Wellington —

RAC Finance Contact

Contact Number


  • not available


Physical Address

Postal Address

  • GPO Box C140, Australia, WA, 6839, Australia

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed