Rating based on 22 reviews

RAC Finance


  • Personal loans up to $100,000
  • Low-interest starting from 5.70%
  • Repayment up to 5 years

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RAC Finance homepage

Author RAC Finance. Screenshot of RAC Finance website. [Accessed April 12, 2018]

About RAC Finance

Ever since its establishment in 1905, the Royal Automotive Club (RAC) has been assisting motorists and the community of Western Australia.

We have a long history of excellence

The club was formed by a small group of enthusiastic automobile owners. Now it has over 750,000 members. It has become an essential part of the lives of people in the state. We take all aspects of the safety of roads and the community personally. We represent road users in front of various government and state bodies to make the road experience better for everyone.

A wide range of financial services

RAC Finance is the primary providers of motoring services and professional advice. We offer travel services which make every trip safer and more pleasant. We provide car loans and insurance at affordable rates and with attractive terms and conditions. You can rely on us for driver training as well.

RAC Finance Services

With a personal loan from RAC Finance, you can borrow any amount of money which you require.

We offer superb interest rates which are among the most competitive in the market. Our members can get a discount of 2% on our standard interest rates for non-members.

We have flexible repayment terms

You can choose any term up to 7 years. We will sit down with you to discuss your needs and tailor the loan so that it corresponds to them precisely. We can help you achieve all of your short-term financial goals easily and quickly.

Whether you plan to buy a new car or to renovate your home, we will provide the optimal amount of finance under the most favourable terms and conditions. Our online loans can be used to pay for important events like weddings and for special surprises like holidays and luxury gifts.

RAC Finance Personal loan

  • Loan Type Personal loans
  • Interest Rate from 5.70%
  • Loan Amount up to $100,000
  • Repayment 3 years to 5 years

Benefits of RAC Finance

  • Affordable personal loans
  • Car loan options available
  • Consolidate your debt

RAC Finance – Making your life a little better within hours

Personal loans with great rates and fast approvals at RAC Finance in Australia.

With us you can get the amount of money you need with quick turnaround times, with the right loan option to suit your individual needs.

It’s simple, quick & affordable

We make our relationship with you one to remember, and our service delivery to you is one of ethical and respectful context. Whether or not you are an existing client, we have a unique package to suit your individual needs.

Our existing clients can make use of our unique 2% per annum off our interest rates terms, saving you long term on your personal loan option.

We will tailor-make a financial package to suit you

Whatever you need your personal online loan for, we will offer you repayment terms to suit your pay date and your monthly budget. Pay off your loan weekly, fortnightly or monthly, on a selected date of your choice.

We can deduct your instalments electronically, making payment a lot easier for you having a standard and immediately deduction service available for you. Apply online and get instant pre-approval.

Once your contract of terms and conditions are signed, you can have your funds within 24 hours, to take that dream holiday, pay off your debt, and get rid of all those unexpected bills or just to do maintenance on your home.

Get competitive interest rates, top quality service, and an experienced team who have been in the financial industry since 1905. Secure the loan you need in only minutes and pay for the things that can make your life a lot easier.

Join over a million happy customers who will testify to the wonderful quick, simple and quality service they have received from RAC Finance over the years.

Call us today, let us secure your personal loan.

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RAC Finance is a trusted & reliable provider of personal loans

In our review, RAC Finance adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, as well as the National Consumer Credit Protection Regulations 2010, where the granting the loan will not cause financial distress to the consumer.

RAC Finance is a registered credit provider in Australia; ACL 387972

Customer Reviews & Testimonials

March 2019

They have some of the best manners and are willing to go over and above for you and that is exactly what they did for me.

Marshal L
— Perth —

December 2018

They let you see the rates that you will be paying for the amount you will be taking which is very nice as most companies will not let you know that.

Sarah M
— Brisbane —

May 2019

I got the loan that I needed the service is amazing and I will be back.

Robert S
— Melbourne —

April 2019

The service that I have received I cannot ask for better and they have helped me to get the personal loan to help with our move to our new place.

Tarryn J
— Sidney —

RAC Finance Contact

Contact Number


  • not available


Physical Address

Postal Address

  • GPO Box C140, Perth, Western Australia, 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