Personal Loans

RACQ personal loans allow you to indulge in your dream. Maybe it's to buy a boat, or a motorcycle or a caravan or even a new computer. Or perhaps you've been thinking about an indulgent holiday somewhere exotic. Or maybe you're just tired of that leaking roof and want to get it fixed. If so, then RACQ could have a personal loan that's right for you.

If you want to consolidate loans to help reduce your repayments, you should also speak with a finance consultant. 

Apply online

Member Discounts Available

There is value in being an RACQ member, so in addition to receiving 1% p.a. discount* off your interest rate on your personal loan you can also access other discounts and benefits.  Remember to quote your membership number when you are speaking to one of our finance consultants about your next personal loan. If you aren’t a member, be part of Queensland’s largest club and join RACQ now!

Loan Calculator

The loan calculator can help you understand your approximate loan repayments and how much you can save by halving your monthly repayments and paying them fortnightly.  Knowing how much you have to budget for each month and being comfortable about whether you can afford your purchase is really important.

Loan Features

The loan features and benefits of our personal loans include:

  • competitive rates
  • low fees
  • no monthly charges. 

We provide great customer service and try our best to reduce the hassle of settling your loan. Approvals are usually available within 24 hours and pre-approvals are also available.

How it Works

Once your personal loan is approved we will step you through what we need to finalise your finance and work with you to find the easiest way for you to sign your documents.  It's that easy.

Apply using the online loan application now for your RACQ personal loan or call 1300 361 316 to apply over the phone.  One of our finance consultants can also give you a call.  Completion of your application online or over the phone will take about 15 minutes and in most cases, we will be able to advise the outcome of your application for a loan within 24 hours. We try to make the whole process as quick and simple as possible.

*Conditions, fees and charges apply. RACQ Loans are provided by R.A.C.V. Finance Ltd ABN 82 004 292 291 Australian credit licence 391488 and are subject to R.A.C.V. Finance lending criteria. RACQ Operations Pty Ltd ABN 80 009 663 414 credit representative number 364451 is an authorised representative of R.A.C.V. Finance Ltd ACL 391488.  RACQ Members receive 1% p.a. discount off their loan rate only. Member discount does not apply to the new car special rate. Offer cannot be redeemed for cash or other goods & services. Rates subject to change without notice.

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