Rating based on 70 reviews


  • Car finance up to $100,000
  • Low-interest starting from 4.99%
  • Repayment up to 60 months

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

About RACV

The history of the Royal Automobile Club of Victoria (RACV) began in December 1903 at the Port Phillip Club Hotel.

It has a diverse range of facilities and activities for you and your family. Ever since its establishment, RACV has been dedicated to promoting and advocating motor cars in Victoria.

RACV Loans

RACV offers a five-tar City Club, five resorts, and a Country Club and is fully committed to offering professional car loan services and facilities to its members. Getting a car loan couldn’t be easier as it is now.

Currently, they have 29,000 club members and more than 2 million members.  RACV has been among the state's most active advocacy bodies especially on matters related to motor education and environmental concerns. 

Establishment growth

In just over 2 months, their membership base has grown by over 100 people. RACV was established by automobile enthusiasts who pioneered the use of cars and motorcycles for business and recreational purposes in Victoria. Not all 65 founders of the club owned a vehicle, but they were all passionate about the new technology. 

RACV Services

In need of a car loan, but you don’t have the finances? RACV is here to assist your needs.

At RACV, they are committed to creating a friendly and productive work atmosphere. They are passionate about teamwork and offer their workers a range of skills and experiences. They offer low-interest rates and flexible repayment terms to clients. RACV does not charge ongoing fees. You will get to save on RACV car insurance in the process.

RACV responsibilities

When you are looking into obtaining car finances with RACV, you will take the driver's seat much sooner than you think. You simply need to complete the loan application online, which will take you one step closer to making your dreams come through.

Quick online approval

At RACV time is of the essence, they make sure to make your process as swift as possible. They provide quick loan pre-approval to give you the greatest bargaining power which you can have.

When you know the loan amount you qualify for, you will be able to negotiate the best deal with the seller. In the end, RACV has your best interest at heart when purchasing and obtaining your loan.

RACV – Car finance

  • Loan Type Car finance
  • Interest Rate 4.9918% p/a
  • Loan Amount up to $100,000
  • Repayment 12 months to 60 months

Benefits of RACV

  • Get fast online approval
  • You get pre-approved 
  • Affordable loans

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.

RACV Finance Car Loans – Your key to car finance

At RACV Finance in Sydney Australia, you can get a new vehicle with rates that fits your budget. 

In need of a car loan

At RACV they’re committed to offering car finances with the convenient choices that fit your needs perfectly. Your car needs are their responsibility, therefore they provide you with the best car loan experience and finances. RACV ensures that their car loans are backed with a no-penalty as well as a twenty-one-day Loan Satisfaction Guarantee.

Reasons to Choose RACV

  • Complete an online loan application and let your dream car become a reality
  • You can get quick electronic approval.
  • RACV offer pre-approvals so that you'll benefit from the best advantage
  • New automobile loans from very low rates
  • No hidden fees
  • Approval responses within hours
  • Savings on RACV Motor Insurance
  • RACV warranty
  • Loan protection
  • Auto sure protection

Loan application procedure

Once approved RACV will arrange the settlement details including the credit which will be in your hands in as little as 24 hours. You get to have your dreams come through within no time. With the convenience of direct debit, it has been made easier to do your repayments on the due date.

No need for going into the store or to the bank, it will be debited automatically from your account on the same day each month or week. Additional repayments can be made at any stage throughout your loan repayment period without any penalty.

Satisfaction guaranteed

Should you not be entirely pleased with your personal loan within 21 days, they will refund you with occurring interest. Please note that terms and conditions apply with cancellations.

Their friendly and experienced staff are always on hand to offer you the best possible financial advice and assist you in every way they can. Getting you the right loan to fit your needs, is their priority.

RACV wants to make your experience in purchasing a vehicle and obtaining a loan as simple as possible with an easy and quick experience. No hassles, no endless paperwork, and no unfulfilled promises. You can be assured to walk away from a happy client, and that is part of the guaranteed services that are promised.

Customer Reviews & Testimonials

January 2019

An hour after my car loan was approved, I had the cash. Brilliant!

Tim W
— Darwin —

July 2019

You feel so appreciated as a customer. I’m glad I applied for my car loan with them because their service is nothing short of top-class!

Haley A
— Melbourne —

May 2019

Thanks to RACV Finance’s fast approval, I was able to start shopping for my new wheels sooner than I thought.

Kristelle G
— Cairns —

March 2019

Their application process is simple and convenient.

Beau C
— Adelaide —

RACV Contact

Physical Address

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed