Rating based on 40 reviews


  • Car finance up to $100,000
  • Low-interest starting from 5.70%
  • Repayment up to 7 years

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RAC homepage
Author RAC. Screenshot of RAC website.
[Accessed March 15, 2023]

About RAC

RAC Vehicle Finance is definitely no newcomer to the finance market in Australia.

With 110 years in the car loan industry, they know how to meet your needs. Their services are totally revolved around finding solutions for their clients and offering service delivery that extends further than the norm.

Extraordinary achievements

With one of the largest geographical footprints in the vehicle finance industry, RAC is proud of its achievements. They have a success rate reaching higher than any other financial firm and have a valued customer base of over 840,000 clients. With confidence, they can assist you with any of your car finances.

A value exceeding market expectations

With a local presence in your area, they are able to minimize the hassles of getting car finance. RAC can give you just what you need to drive away in the vehicle you always wanted.

They don’t only provide financial services, but they make sure to invest in their clients as well. With values exceeding expectations in the market, RAC strives to be the best in the country, with value-added services and the ability to offer the best vehicle finance options. 

RAC Services

RAC Vehicle Finance in Australia offers fast, convenient vehicle finance to meet the needs of all clients in the country.

RAC provides their clients with initial top-class services, thus resulting in individuals returning after receiving their first car finance at RAC. Their turnaround times are quicker, and their processes are more streamlined. With the years they have in the industry backing them up, their experience exceeds any other vehicle finance company.

Get pre-approved within hours

RAC can offer pre-approved vehicle finance in less than 24 hours with no monthly fees! When weighing up their services among their competitors, there is no comparison to what RAC delivers to their clients. Their clients get to pay back their personal loans over 3 to 7 years, making it affordable to everyone earning a monthly wage.

Applicants must

  • Be 18 years or older
  • Have a valid Australian driver's license or learner's permit
  • Security registered in Australia at time of loan settlement
  • Permanent resident of Australia
  • Have no bankruptcy for 7 years plus
  • Have a regular weekly or monthly income

RAC – Car finance

  • Loan Type Car finance
  • Interest Rate from 5.70%
  • Loan Amount up to $100,000
  • Repayment 3 years to 7 years

Benefits of RAC

  • Fixed interest rates
  • No monthly fees
  • Get pre-approved online

Car finance calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This car finance calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

RAC Finance - the Best Car Loan Supplier

Two centuries of experience have allowed RAC to perfect their systems, their workers and their service delivery to their clients.

RAC will get you the car finance you need when you need it! To get approved quickly, clients must ensure the information they provide is accurate which will result in shortening the time frame in which their consultants will get back to you with your pre-approval.

The fastest way to get vehicle finance

RAC doesn’t charge any service fees, they are here to see their clients moving forward. They gain satisfaction when they see the smiles on your face when you hear that they have a super quick loan for you!

The interest rate on your vehicle finance will depend on specific criteria involving how much you borrow, the time period you choose to pay it off, and the loan type.

Prioritizing the extra mile

With vehicle finance, security may be needed for a secured personal loan. Therefore clients can use their new vehicle as security on these types of loans. There are also unsecured options, where you do run less risk of losing anything should you default your repayments. This is usually offered with much lower loan amounts.

Ready to apply

To apply for a loan, all you need to do is to complete the quote request form on their website. Submit and one of their consultants will be in contact with you to discuss your options.

Customer Reviews & Testimonials

April 2019

I don’t think I could’ve found a lower rate for my car loan. Thank you RAC Finance; you are awesome!

Tara M
— Melbourne —

April 2019

Thanks to their personalised service, the journey to getting my car loan wasn’t stressful because they were 100% available, which was extremely helpful for me because this was my first time takin...

Michelle M
— Cairns —

April 2019

Applying was a painless experience and I didn’t have to wait very long for a consultant to contact me to discuss my car loan.

Prudence O
— Perth —

April 2019

I hate being kept waiting for a decision on my loan application which is why I prefer RAC Finance because they don’t keep you waiting. A day is all it took for them to get back to me.

Thomas A
— Darwin —

RAC Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday 08:00 – 12:00
  • Sunday – Closed