Loan rates

Loan Type Interest Rate Comparison Rate
New car loans from 6.70%pa*
7.22%1pa Apply now
Used car loans from 8.75%pa*
(9.75% non-member)
from 9.28%2pa*
(10.28%3 non-member)
Apply now
Secured personal loans from 8.75%pa*
(9.75% non-member)
from 9.28%2pa*
(10.28%3 non-member)
Apply now
Unsecured personal loans from 12.95%pa*
(13.95% non-member)
from 13.50%4pa*
(14.51%5 non-member)
Apply now

Loan Calculator

We can help you estimate what your monthly or fortnightly repayments would be and how much you would need to budget for. Please note that while the interest rate in the loan calculator can be changed, the actual rate is subject to normal RACV Finance lending criteria. For more personalised quotes and further information, contact the loans team.

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Terms and conditions

*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 Australian credit licence 391488.  RACQ Members receive 1% p.a. discount off their loan rate only. Member discount does not apply to the new car special rate and is not available through finance brokers, third parties or intermediaries. Offer cannot be redeemed for cash or other goods & services. Rates are subject to change without notice.

Member testimonials

I'm now on my third car loan with RACQ and I have always been impressed with the ease of the service and speed with which loans are processed. Thank you so much. Bloody legends!

David, Bronze Member, Northgate.